If you’re an Oregon driver who’s having trouble finding a company to insure you because of your driving record or credit rating, you may qualify for coverage under the “assigned risk” pool through the Automobile Insurance Plan of Oregon. This should be used as a last resort, though, as premiums tend to be much higher than on the voluntary market. For more information on this program and many other auto insurance-related topics, contact the Oregon Insurance Division (http://www.oregoninsurance.org/...).

Wyoming does not require drivers to carry Uninsured Motorist (UM) coverage, but you’d be wise to consider paying a little extra for it. According to a 2007 study by the Insurance Research Council, as many as 9% of the state’s drivers are uninsured, and UM coverage is the only way to make sure you’re protected if you’re in an accident with one of those people. Major insurance companies have offices in Cheyenne, Casper, and Laramie. For more information on auto insurance requirements in Wyoming, contact the Wyoming Insurance Department (http://insurance.state.wy.us/...).