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Oregon · State Law Library Hub
Oregon Auto Insurance & Crash Law Library
A public legal education and research library for Oregon automobile insurance, PIP, UM/UIM, crash liability, insurer duties, damages, reimbursement, settlement and controlling authority.
Oregon State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category and open the Oregon guide that answers the next coverage, PIP, liability, damages or settlement question.
Getting Started in Oregon
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-body vehicles.
Liability & Proof
Comparative fault, crash investigation and evidence preservation.
Damages, PIP & Resolution
Damages, wrongful death, PIP, medical reimbursement and settlement.
Case Authority
Oregon statutes and appellate authority organized by issue.
Guide 01 · Oregon Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first. Keep PIP benefits, liability claims, UM/UIM and reimbursement questions in separate parts of your records. Use the Oregon guide titles and linked sources rather than assuming another state’s rules apply.
List drivers, owners, injured people, possible employers and other responsible parties. Begin with Guide 02 and Guide 21 for the insurance and PIP questions.
Use Guide 03, Guide 05 and Guide 06. Preserve declarations, endorsements, effective dates and any written lower-limit election for review with the actual policy.
Use Guide 18 for reports, photographs, video, witnesses, vehicle data and medical chronology. Keep a separate deadline calendar and consult Guide 16 promptly when a public body may be involved.
Review Guide 21, Guide 22, the case-authority library and official sources. Check remaining coverage, reimbursement demands and released parties before deciding whether to close a claim.
Oregon Current-Law Snapshot
Issues to identify early
25 / 50 / 20 minimum liability
Oregon requires at least $25,000 per person, $50,000 per crash bodily injury and $20,000 property damage.
$15,000 PIP required
Oregon requires personal injury protection as part of the standard automobile insurance package.
Mandatory UM/UIM
UM/UIM generally tracks bodily-injury liability limits unless a named insured elects lower limits in writing, not below statutory minimums.
Modified comparative fault
Recovery is permitted when claimant fault is not greater than the combined fault of the persons against whom recovery is sought; damages are reduced proportionately.
Public-body procedures
Government involvement can trigger Oregon Tort Claims Act requirements and special deadlines.
Oregon DFR
The Division of Financial Regulation regulates insurance, licensing, complaints and market conduct.
Primary Research
Official Oregon research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Oregon Revised Statutes
Open statutes →Oregon Administrative Rules
Open rules →Oregon Division of Financial Regulation
Open regulator →Oregon Judicial Department
Open courts →Oregon State Police
Open State Police →Oregon DMV
Open DMV →The DMV’s insurance-requirements page identifies minimum liability, PIP and uninsured-motorist coverage. For a disputed claim, also read the actual policy and current authorities in the relevant child guide.
How this library stays current
Build the complete Oregon coverage and claim map
Identify liability, mandatory PIP, UM/UIM, every potentially applicable policy and insured, employer/commercial/public-body issues, comparative fault, crash evidence, damages, insurer conduct, PIP reimbursement and settlement consequences before closing the claim.
Follow each coverage question through to the policy and controlling source.
Find the policies, identify the insureds and responsible parties, preserve the evidence, and review PIP, damages, reimbursement and release consequences before treating a claim as complete.