Oregon Auto Insurance Requirements

Every state has set minimums when it comes to how much insurance drivers within state lines must carry in order to legally operate a vehicle on state roadways or land. The state of Oregon has very serious consequences if you are found to be in violation of their minimum insurance laws. Oregon’s state government has set up very specific guidelines when it comes to what types of coverage state drivers must carry.

Every driver in the state of Oregon must carry liability insurance and uninsured motorist insurance. The minimum limits of the coverage are $25,000 for uninsured motorist personal injury, $50,000 for multiple injuries for uninsured motorists, $25,000 for personal injury liability up to $50,000 for all injuries, and $10,000 for property damage per accident. It is very important to know these minimum limits so that you can protect the interests of you and your family.

Consequences for not carrying at least this much insurance can involve a conviction of a misdemeanor. If you are convicted there is a minimum sentence of three days in jail and paying steep fines and penalties. The consequences of the state of Oregon do not stop there. After you are released you must file a form known as a SR-22 through your insurance company with the state to ensure that you have insurance for three years after the date of your conviction.

As you can see, the consequences for not carrying insurance in the state of Oregon far outweigh the price of an insurance premium. It is important that you carry insurance and that you have a valid proof of this insurance in your possession at all times while operating your vehicle. It is also advised that you carry more than just the minimum insurance to give yourself extra coverage in case of a serious accident.