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Oregon Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Oregon. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Oregon Car Insurance Laws

Oregon auto insurance law requires a minimum liability coverage of 25/50/10, that is: $25,000 per person; $50,000 per car accident for bodily injury to others; and $10,000 per car accident for Property Damage liability (PD). Personal Injury Protection (PIP) of $15,000 is Oregon's version of no-fault insurance. PIP covers you and your passengers, regardless of who caused an car accident. PIP benefits covers medical services, loss of earnings, and certain expenses of up to $10,000.

Uninsured Motorist Bodily Injury coverage (UMBI) is also required at a minimum of 25/50: $25,000 per person and $50,000 per accident for bodily injury to you and your passengers caused by an uninsured driver. Consider increasing this coverage on your policy, because an uninsured motorist probably cannot compensate you for your losses. Remember, these are the minimum coverage required by Oregon law, not levels of coverage recommended by the Oregon Insurance Division.

Oregon auto insurance companies will offer higher levels of coverage and options coverage such as collision coverage, comprehensive coverage, and uninsured motorist property damage.

Oregon DMV - Department of Transportation

The Oregon DMV provides driver and motor vehicle services for residents in Oregon. DMV online services include vehicle registration renewal, notice of vehicle sale, and change of address. The site covers detail questions about accident reporting and auto insurance requirements. Forms and applications for your motor vehicle needs are provided for easy downloading. Some can be filled directly online before printing. Oregon Driver Manual and Oregon driver license practice test can also be access by the public. The site provides information on how you should act if you think that you have been a victim of identity theft and sources to contact for help.

Oregon Insurance Division - Department of Consumer & Business Services

The Oregon department of insurance protects the insurance buying public through insurance education, providing consumer assistance, ensuring the financial soundness of insurers, and ensuring availability and affordability of insurance. The Oregon Auto Insurance Consumer Guide compares car insurance rate premiums and provides money saving tips for drivers. The guide can help you make an informed decision when choosing a car insurance company. It covers topics such as types of car insurance coverage, required coverage, car insurance company rating categories, your credit score, and filing a claim. The site also has a very helpful frequently asked questions page that is a must read for any inexperience consumers. The F.A.Q. is divided into three categories: automobile insurance, health insurance and homeowners insurance.