Oregon requires a fairly standard amount of car insurance, with $25,000 in bodily injury liability per person and $50,000 per accident. So if someone is harmed in an accident where you are at fault, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers must have $25,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident.
Oregon goes one step further by also making sure drivers have $25,000 per person/$50,000 per accident in uninsured motorist bodily injury (UMBI) insurance. This keeps drivers protected if they’re involved in an accident with someone who doesn’t have insurance or who has low policy limits. Additionally, Oregon requires drivers to have $15,000 per person in personal injury protection (PIP), which covers medical costs after an accident, regardless of fault.