Uninsured Motorist Claims in Oregon

Oregon Insurance Overview

Oregon is an at-fault state that also requires mandatory PIP coverage of at least $15,000, creating a hybrid system. PIP covers immediate medical expenses regardless of fault. Oregon has a very generous 6-year statute of limitations for property damage claims while personal injury claims must be filed within 2 years. Uninsured motorist coverage is also required.

Key Oregon Laws

• Oregon follows a modified comparative fault rule with a 50% bar (ORS § 31.600).
• Personal Injury Protection (PIP) coverage of at least $15,000 is mandatory in Oregon.
• Uninsured motorist coverage is required in Oregon and must be offered at your liability limits.

How to File Uninsured Motorist Claims in Oregon

What to do when you're hit by an uninsured driver, how UM coverage works, filing a claim under your own policy, and recovering damages.

In Oregon, it's critical to understand the state's at-fault (tort) system and the 2-year personal injury statute of limitations when pursuing uninsured motorist claims. Missing these deadlines can result in a complete loss of your right to compensation.

1. Document everything immediately — Gather all evidence, photos, police reports, and medical records relevant to your uninsured motorist claims in Oregon.
2. Report to your insurer promptly — Report to insurer promptly; PIP claims should be filed within 2 years. Delays can jeopardize your claim under OR law.
3. Know your Oregon rights — Under Oregon's at-fault (tort) system, your recovery may be affected by your percentage of fault.
4. Contact the Oregon Division of Financial Regulation — If your insurer acts unfairly, file a complaint at https://dfr.oregon.gov or call (888) 877-4894.
5. Use InsurifyAI — Get AI-generated demand letters, settlement estimates, and claim coaching tailored to Oregon law.