While not considered a no-fault state, Oregon requires motorists to purchase $15,000 of personal injury protection (PIP) as part of an Oregon auto insurance policy. Regardless of who was at fault in an auto accident, PIP takes care of (up to your limits):
- Reasonable medical expenses
- Loss of earnings of up to 70 percent of your wages, up to $3,000 a month for 52 weeks (beginning on day 14 of your disability)
- Help with household tasks of up to $20 a day for up to 52 weeks (beginning on the 14th day of your disability)
- Funeral expenses of up to $5,000
Besides PIP, an Oregon car insurance policy must also contain bodily injury liability of at least $25,000 per person and $50,000 per accident and $20,000 for property damage liability.
Uninsured motorist and underinsured motorist) are both required as well. They help pay medical expenses arising out of injuries received in an auto accident where the at-fault driver was either without insurance or without adequate insurance coverage.
Pay-as-you-drive (PAYD) plans: Oregon not only has approved PAYD auto insurance plans, but encourages car insurance companies to offer such programs by offering tax credits for insurance companies that have a mile-based or time-based rating plan – since they reward people who drive less and thus reduce greenhouse gases, fuel consumption and of course accidents.
After an accident: You must file an accident and insurance report within 72 hours of an accident if it meets certain criteria. There are also certain rules to follow in Oregon if you hit an unattended vehicle or animal. If you hit an unoccupied vehicle and cannot find the owner, you must leave a note with contact information including your name and address. If you hit and injure an animal, you must stop and give reasonable attention to the animal depending on traffic hazards and the animal’s behavior, moving the animal from the road if possible. You must report the injuries to the animal’s owner or the police.