A Non-owner Auto Insurance Policy in Oregon is a contract that provides secondary coverage for Bodily Injury, Property Damage, and Uninsured Motorist Bodily Injury Liability in the event of an accident, the same as a regular auto policy. It also provides Personal Injury Protection (PIP) for the named insured only and secondarily to the policy covering the non-owned vehicle you drive. There is no coverage available for Uninsured Motorist Property Damage, Comprehensive, or Collision coverages, as these would only be available for an owned automobile.

The short answer is YES! That is, if you drive a little. Many pay-per-mile plans start you with a low rate based on the estimated mileage you think you will travel. After a month or two of reporting to the insurance company, they will adjust your monthly payment or send a bill for the difference if you paid in full for six months.