Applying for insurance
Underwriting standards are rules insurance companies use to decide whether to insure you. A company may reject your application for coverage if your circumstances do not meet the company's underwriting standards or risk factors. Drivers with the lowest risk factors are least likely to have a claim, so they receive the lowest rates for insurance.
Insurance companies typically review the following when deciding whether to insure you:
- driving record
- car make and model
- prior insurance coverage
- consumer credit history
Can't get coverage?
If you are an individual or company having difficulty buying automobile liability insurance, you may qualify for coverage under the assigned risk pool through the Automobile Insurance Plan of Oregon.
Contact your insurance agent for information. The agent can arrange coverage through the Western Association Automobile Insurance Plans in San Francisco. Find information at: https://www.aipso.com/PlanSites/Oregon.aspx. Or, call: 1-800-227-4659.