Liability insurance can help pay others' expenses after you're found at fault in a car accident. Oregon insurance laws require you to carry the following liability coverages and limits:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per incident
- $20,000 in property damage liability per incident
It's common to see these limits written as 25/50/20.
Personal injury protection (PIP)
Drivers in Oregon also need $15,000 of PIP coverage on their policies. This coverage can help pay medical-related expenses after an accident (including lost wages, if necessary), regardless of fault.
Uninsured motorist bodily injury
Like your bodily injury limits, your uninsured/underinsured motorist coverage limits need to be $25,000 per person/$50,000 per incident. If you're in an accident in which the at-fault driver has no insurance (or not enough coverage), this coverage can protect you and your passengers from paying your accident-related medical bills out of pocket.