Oregon Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $20,000 for injury to or destruction of property of others in any one accident

Required Personal Injury Protection (PIP) Coverage

• PIP covers medical, rehabilitation, and work loss expenses of the insured and those injured while riding in the insured’s vehicle, up to a limit of $15,000 per person, without regard to fault.

Optional Insurance Coverage

• Uninsured (UM) and Underinsured Motorist (UIM) Coverage. The amount of UM coverage purchased must be the same as the bodily injury liability coverage purchased, unless a lower election is made in writing. If a person purchases more UM coverage than the minimum required for bodily injury liability coverage, that person must also purchase UIM coverage that is equal to the amount of UM coverage purchased.

Special Rules for Motorcycle Owners

• PIP does not apply to motorcycle owners.
• The principal operator of a covered motorcycle can receive an appropriate reduction in premium charges if they successfully complete an approved motorcycle rider education course. The course must be completed no more than three years prior to the beginning of the policy period for which the discounted rate applies. The discounted rate only applies to one motorcycle owned by the principal operator.