The Oregon auto insurance requirements stipulated by law are:

• Bodily injury (BI) liability $25,000 per person, $50,000 per accident for bodily injury to others.
• Property damage (PD) liability $10,000 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.

Medical services: Treatment is considered reasonable and necessary unless a provider receives a denial notice within 60 calendar days of claim notice. After that, the burden of proving that treatment was not reasonable and necessary is on the insurance company.

Loss of earnings: This benefit is available if your injury prevents you from returning to work. It begins on the 14th day of your disability. You receive up to 70 percent of wages up to a maximum benefit of $1,250 a month for 52 weeks.

Essential services: If you are not employed, you are entitled to reimbursement of reasonably incurred expenses for the essential services that you would normally perform. You will receive up to $30 a day for up to 52 weeks. This benefit begins on the 14th day of disability.

Funeral expenses: You will be paid for reasonable and necessary funeral expenses within one year of the date of injury up to a maximum benefit of $5,000.

• 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.

Please note that these are minimums required by Oregon state law, not suggested coverage amounts. The simple fact is, each state’s minimum requirements are typically inadequate to sufficiently cover your costs should you be involved in a major accident. The shortfall will have to be made up out of your own pocket. Obviously, having to pay this difference could easily destroy one financially. Therefore, it is highly recommended to get much higher coverage amounts. Consult pages elsewhere on this site for recommendations in this regard.

Oregon Auto Insurance Requirements – More Information

For more information regarding auto insurance requirements in Oregon, contact the state’s insurance regulatory agency:

OREGON – DEPARTMENT OF INSURANCE

P.O. Box 14480
Salem, OR 97309-0405 United States
Phone: 503-947-7980; 888-877-4894; 503-947-7984 (Consumer Protection)
FAX: 503-378-4351
Web: http://www.cbs.state.or.us/external/ins
Description: Joel Ario, Insurance Administrator

Note that this information, like all information provided on this site, is provided for as a general guide and is for reference purposes only and should in no way be considered legal advice. Contact the appropriate regulatory agency for the state in question for definitive answers that apply to that state.