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Oregon Car Insurance Minimum Coverages

There are three parts required for car insurance policies issued in Oregon: liability, personal injury protection (PIP), and uninsured / underinsured motorists bodily injury (UM / UIM). Liability covers you for your own negligence when you cause bodily injury or property damage to someone else. Effectively, it covers the other person when they injure you and you make a claim against them. Personal injury protection covers your medical expenses within a certain time and up to a certain amount. Uninsured and underinsured motorist coverage covers your bodily injury when an uninsured or underinsured motorist causes your injury. Hit-and-run drivers count as uninsured motorists. Uninsured motorist property damage coverage must be offered by your insurer but is not a required coverage in Oregon.