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Ask an Oregon Insurance Agent

Ask an Oregon Insurance Agent is a feature offered by the licensed property and casualty insurance agents, Doug Hartley of InsureSource Agencies, LLC and Shelly Campbell of Pulse Insurance, LLC. The questions are real. They come from visitors to this site just like you. The agents give their answers below based on years of experience, many hours of continuing education and research done on your specific question. The answers are general in nature to give you a place to start researching your own situation. You should speak directly to one of these agents or a licensed agent of your choice to answer specific questions about your situation. You should not rely solely on the content of these articles. Each case is unique and requires specific handling.

Can I Get an Auto Insurance Binder for Just One Day?

Auto policies in Oregon are usually issued for six months at a time. We get a lot of calls from people trying to get a car out of impound and want to pay as little as possible. We understand that. Sometimes a driver will have just bought a car and already has insurance but they can't get a hold of their insurance company and want a 24 hour policy to get a car off the lot. We also understand that. A binder usually means the insurance company is obligated to cover a vehicle for at least 30 days and is issued on a policy that is meant to be kept for six months at a time. So, the short answer is NO! You cannot insure a car for just a day. We have heard of a company out there who will sell you a very short term policy that acts as a bridge type policy until you can get a more permanent one. The cost might be as much for that short term policy as what it costs you for a whole month. The Oregon law says you have to maintain at all times insurance on a car you own or is registered to you if you maintain good tags on the vehicle.