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Oregon Auto Insurance Laws: Mandatory Liability & Company Laws
Some amounts of auto insurance are required in every state, as it helps protect you and your passengers from losses that are the result of a motor vehicle accident. As in other states, Oregon law requires that you purchase a certain amount of liability insurance. If you are denied auto insurance coverage, you may be qualified under the assigned risk pool through the Automobile Insurance Plan of Oregon.
Mandatory Liability Auto Insurance Coverage in Oregon:
- Bodily injury (BI) liability: $25,000 per person, $50,000 per accident for bodily
injury to others.
- Property damage (PD) liability: $20,000 per accident for damage to the property of
others.
- Personal injury protection (PIP): PIP is Oregon’s version of no-fault insurance. It allows
you and your passengers, regardless of who
caused an accident, to have insurance coverage
for “reasonable and necessary” medical, dental,
hospital, surgical, ambulance, and prosthetic services
incurred within one year after the date of an
injury up to a maximum of $15,000.
In Oregon, minimum PIP benefits include
limited coverage for loss of earnings, funeral expenses,
essential services, and child care.
- Uninsured motorist bodily injury
(UMBI) and underinsured motorist
(UIM) coverage: $25,000 per person, $50,000 per accident for bodily
injury to you and your passengers caused by an
uninsured or underinsured driver.
Proof of Insurance Requirement in OR
Oregon law requires drivers to carry proof of liability
insurance. Your insurance
company must send you a card that shows
the effective date and expiration date of your policy.
Keep this card in your vehicle at all times as it is required that you prove you have insurance if you are in an accident or stopped by a police officer. If you are caught driving without auto liability insurance, you may be subject to fines, suspended driving privileges, and/or your vehicle may be impounded.
Every Oregon Insurance Company Must Abide By Nondiscrimination Laws
First and foremost, an Oregon car insurance company may not discriminate against you based on your race, skin color, religious beliefs or nationality. This means that you may not be denied coverage, refused renewal or charged more for coverage due to any of these factors.
An Oregon auto insurance company discriminate because of your age, gender, marital status, domestic partnership status, disability, or partial disability unless the refusal, limitation, or higher rate is “based on sound underwriting
or actuarial principles.” The same principle applies in the case of individuals of the same (rate) class who pose the same risks. If there is a higher rate, it must also be “based on sound
actuarial principles.”To understand underwriting better, visit our Oregon car insurance rates page.
Additional Liability Coverage
There is a limit to the liability coverage options that your purchase, so you might consider purchasing additional liability coverage. You may purchase an additional policy
to provide extra liability protection in the event that you are sued.
This type of coverage will start paying when
your other policy’s liability limits are exhausted.
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