Oregon Car Insurance (OR)

Anyone who is planning a move to Oregon or visit there would do well to know the state's car insurance requirements. It is information that is mandatory for the resident and good protection for the visitor. Oregon is one of the states that have embraced the no-fault car insurance concept. It is vital that drivers in the state understand what that means, as the no-fault provision is merely one section of the required coverage. Moreover, it is limited to medical costs and does not cover property damage.

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Minimum Car Insurance Requirements in Oregon

The State of Oregon has several categories of mandatory car insurance. The basic liability insurance that is required is $25,000 in bodily injury coverage for an individual and $50,000 in bodily injury for each incident. The other liability requirement is at least $10,000 in property damage. These liability clauses are protection for the other car, its driver and any passengers in an accident where you are at fault.

Oregon requires Personal Injury Protection (PIP) which is otherwise known as no-fault insurance. This insurance covers the injury-related costs of you and your passengers, regardless of who is at fault. The mandated minimum for PIP in Oregon is $15,000. PIP will cover injury related costs for up to one year after the accident, including medical services and loss of earnings. PIP can be another form of liability protection for you. Given the costs of medical services today you might consider paying for increased coverage.

Oregon also mandates insurance covering uninsured and underinsured motorists. This portion of your car insurance policy pays for injury-related costs for you and your passengers, should you be in an accident with a driver who is not insured or whose insurance will not cover your expenses. Damages to your car are not included in this coverage. The required minimums are the same as the basic liability for bodily injury: $25,000 for an individual and $50,000 for the incident (meaning all injured parties in your vehicle).

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Additional Car Insurance Coverage in Oregon (OR)

The State stresses that these are all minimum requirements, and not recommendations of the Oregon Department of Insurance. Many drivers carry coverage with substantially higher limits. In Oregon, you are required to carry proof of insurance in your car. Driving without insurance can result in suspension of your license and having your vehicle impounded.

Car Insurance in Oregon Cities

Learn more about car insurance specifically in Portland.

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