Oregon law requires a minimum of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property damage liability for auto insurance. Uninsured/underinsured motorist bodily injury, ($25,000/$50,000 limit) and personal injury protection ($15,000 limit) are also required. Check with your auto insurance company to understand the details of coverages they offer. All coverages are limited to any terms and liabilities of your auto insurance company.

Bodily injury liability: If you are at fault in an accident, bodily injury coverage will cover the other party’s injuries, death, loss of wages, and pain and suffering costs. However, it does not cover the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. You will need to purchase medical payment coverage for your policy or use your own health insurance if you want coverage for yourself and dependents. In the event you are sued by the other party, this coverage will also cover the expense of you auto insurance company representing you in court.

Property damage liability: When you cause accidental damage to another person’s property, be it a car, fence, pole, wall, etc, with your vehicle, property damage liability will cover repairing costs. It will also cover any legal costs that may ensue from the accident. Any additional costs over your coverage amount could leave you paying for repairs out of pocket.

Uninsured/underinsured motorist bodily injury: In the scenario you’re in an accident and the other driver, who is at fault, does not have auto insurance, uninsured motorist liability will cover you, passengers in your car, and any of your dependents for your medical expenses, pain and suffering, loss of wages, and funeral expenses up to the limit you purchased for your policy. If you do not have health insurance, this particular coverage is especially beneficial for you.

Personal injury protection: Regardless of who was the driver at fault, personal injury protection covers the medical expenses of you and your passengers when in an accident. You may consider using this coverage in conjunction with the coverage of your current health insurance policy. It also covers the medical expenses of any pedestrians struck by your vehicle. If you constantly carpool, you will want to consider increasing the limit of your personal injury protection above the minimum to provide monetary help to your passengers if they’re ever involved in your accident.

Oregon follows a tort auto insurance system instead of a no-fault system. In a tort system, the driver who is at fault in an accident and their auto insurance company are responsible for all medical expenses of the driver and passengers in the other vehicle, including any lost wages or pain and suffering claims. This information may factor your decision of how much liability you purchase for your auto insurance policy.

If found operating a vehicle without sufficient auto insurance, you will be subject to possible fines, impounding of your vehicle, and suspension of your driver’s license.

Oregon Auto Insurance Requirement Chart:

• Bodily Injury Liability: $25,000/$50,000 Limit
• Property Damage Coverage: $10,000 Limit
• Uninsured Motorist Liability: $25,000/$50,000 Limit
• Personal Injury Protection: $15,000 Limit

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