Oregon state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $20,000. This basic coverage is often referred to as 25/50/20 coverage with 25/50 UM limits.
Oregon Insurance Coverage:
Bodily Injury Liability: $25,000/$50,000 Limit
*Property Damage Liability: $20,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $15,000 Limit
*Effective January 1, 2010
The state of Oregon follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
Personal Injury Protection (PIP) helps pay for “reasonable and necessary” medical expenses for you and your passengers. Oregon state law requires a minimum Personal Injury Protection coverage of $15,000.
To help protect against damages caused to you and your passengers by an uninsured driver, Oregon state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
When you get a quote at PortlandMetroAutoInsurance.com, our coverage page will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or you can customize every limit and deductible to fit your needs. If that is too complicated, PortlandMetroAutoInsurance.com’s insurance agents are licensed in Oregon and available to help you all the way through the quote and purchase process.
