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Oregon auto insurance coverages required by law:
The required coverages in Oregon are bodily injury, property damage, PIP (Personal Injury Protection) and UMBI (Uninsured Motorist Bodily Injury) insurance.
The minimum required limits are $25,000 per person and $50,000 per accident for bodily injury; $10,000 per accident for property damage; $10,000 for PIP; and $25,000 per person/$50,000 per accident for UMBI insurance.
Oregon Bodily Injury Coverage
In the state of Oregon, you are required by law to buy bodily injury coverage. This coverage pays for the medical expenses, lost wages, and pain and suffering you cause in an automobile accident. The minimum limits in Oregon are $25,000 per person and $50,000 per accident.
Oregon Property Damage Coverage
In Oregon, you are also required to buy property damage coverage. This may include damage to buildings, other vehicles or their contents, and damage to fences and road signs. The minimum limits in Oregon are $10,000 per accident.
Oregon PIP Insurance
PIP (Personal Injury Protection) insurance is required in Oregon. This covers medical expenses, loss of earnings and other essential services for all parties involved in an accident, depending upon the circumstances. The minimum coverage is $10,000 per accident.
Oregon Uninsured Motorist Bodily Injury Insurance
In Oregon, uninsured motorist bodily injury insurance requires your insurance to pay any bodily injury damages you or your passenger suffer if you are in an accident with an uninsured motorist. The minimum coverage for this type of insurance is $25,000 per person/$50,000 per accident.
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