Oregon Auto Insurance Guide for First-Time Buyers

Pays for injuries you cause to other people in an at-fault accident, including medical bills, lost wages, and legal costs if you're sued. Oregon courts can hold you personally liable for damages above your policy limits, making higher limits critical for protecting your financial future.

Covers damage you cause to other vehicles, buildings, fences, or property.

Pays your own medical expenses, lost wages, and essential services regardless of who caused the accident — this is Oregon's unique no-fault component within a tort system. PIP covers you, passengers, and pedestrians you injure. Unlike most states, Oregon requires this coverage even if you have health insurance, though you can reduce premiums by coordinating benefits with your health plan.

Protects you when hit by a driver with no insurance or insufficient coverage to pay your damages. Oregon law requires insurers to offer this coverage at the same limits as your liability policy, but you can reject it in writing.