OR
Oregon Insurance Regulations
Consumer rights and insurance laws in Oregon
Overview
Oregon Division of Financial Regulation oversees insurance and consumer protection. Oregon requires both PIP and uninsured motorist coverage, providing broader protection for accident victims.
Key Insurance Regulations in Oregon
- Modified comparative fault — barred at 51% or more fault
- 2-year statute of limitations for personal injury, 6 years for property damage
- Mandatory auto insurance: 25/50/20 minimum liability with PIP and uninsured motorist
Filing an Insurance Complaint in Oregon
If you believe your insurance company has acted unfairly or violated Oregon insurance laws, you can file a complaint with the Oregon Division of Financial Regulation. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.
Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Oregon Division of Financial Regulation typically responds to complaints within 30 days.
Oregon Division of Financial Regulation
Insurance Commissioner: Andrew R. Stolfi
Phone: (503) 378-4140
Website: https://dfr.oregon.gov
File a Complaint: Consumer Complaint Portal
Insurance Claim Guides for Oregon
Browse our detailed insurance claim guides tailored specifically to Oregon laws and regulations.
Auto Insurance Claims in OregonHome Insurance Claims in OregonHealth Insurance Appeals in OregonInsurance Denial Letter Templates in OregonDemand Letter Guide in OregonInsurance Settlement Calculator Guide in OregonDiminished Value Claims in OregonTotal Loss Dispute Guide in OregonBad Faith Insurance Claims in OregonUnderinsured Motorist Claims in OregonUninsured Motorist Claims in OregonRental Car Insurance Coverage in OregonGAP Insurance Claims in OregonInsurance Subrogation Explained in OregonPIP (Personal Injury Protection) Guide in OregonBodily Injury Claims in OregonProperty Damage Claims in OregonLiability Claim Process in OregonComprehensive Insurance Claims in OregonCollision Insurance Claims in OregonFlood Insurance Claims in OregonFire Insurance Claims in OregonTheft Insurance Claims in OregonVandalism Insurance Claims in OregonAuto Glass Insurance Claims in OregonHail Damage Insurance Claims in OregonWind Damage Insurance Claims in OregonWater Damage Insurance Claims in OregonMold Insurance Claims in OregonRoof Damage Insurance Claims in OregonFoundation Damage Claims in OregonSinkhole Insurance Claims in OregonEarthquake Insurance Guide in OregonHurricane Insurance Claims in OregonTornado Damage Insurance Claims in OregonLightning Damage Insurance Claims in OregonTree Damage Insurance Claims in OregonFence Damage Insurance Claims in OregonAppliance Breakdown Claims in OregonIdentity Theft Insurance Claims in OregonCyber Insurance Claims in OregonPet Insurance Claims in OregonTravel Insurance Claims in OregonLife Insurance Disputes in OregonDisability Insurance Claims in OregonWorkers' Compensation Claims in OregonLong-Term Care Insurance Claims in OregonDental Insurance Appeals in OregonVision Insurance Claims in OregonPrescription Drug Appeals in OregonAccident Scene Documentation in OregonInsurance Adjuster Tactics in OregonDiminished Value Calculator Guide in OregonTotal Loss Vehicle Valuation in OregonPain and Suffering Calculation in OregonMedical Bills in Auto Claims in OregonLost Wages Insurance Claims in OregonFiling a Bad Faith Insurance Lawsuit in OregonWhen to Hire a Car Accident Lawyer in OregonInsurance Claim Timeline Guide in OregonIndependent Vehicle Appraisal Guide in OregonAppraisal Clause in Auto Insurance in OregonDiminished Value by State in OregonTotal Loss Threshold by State in OregonRental Car After an Accident in OregonYour Rights During Car Repairs in OregonOEM Parts in Insurance Claims in OregonInsurance Negotiation Tactics in OregonDemand Package for Auto Claims in OregonCommon Insurance Claim Denial Reasons in OregonStatute of Limitations for Auto Claims in OregonFiling Claims in No-Fault States in OregonAt-Fault Accident Claims in OregonComparative Negligence in Claims in OregonUninsured Motorist Property Damage in OregonHit and Run Insurance Claims in OregonParking Lot Accident Claims in OregonRideshare Accident Insurance Claims in OregonCommercial Vehicle Accident Claims in OregonDeer Collision Insurance Claims in OregonFlood Car Damage Claims in OregonCatalytic Converter Theft Claims in OregonCar Break-In Insurance Claims in OregonTire Blowout Accident Claims in OregonPothole Damage Insurance Claims in OregonHail Damage Car Claims in OregonHow to Review Your Auto Insurance Policy in OregonAuto Insurance Coverage Gaps in OregonMulti-Vehicle Accident Claims in OregonDisputing Fault Determination in OregonFiling an Insurance Commissioner Complaint in OregonNegotiating Diminished Value Claims in OregonFighting a Total Loss Declaration in OregonBodily Injury Settlement Guide in OregonInsurance Fraud Prevention Guide in OregonSubstandard Auto Repair Claims in OregonTotal Loss Buy-Back Process in OregonInsurance Claims After a DUI in OregonCommercial Auto Insurance Claims in OregonStorage Unit Insurance Claims in Oregon
Other State Insurance Regulations
AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming
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