Insurance in Oregon

Coverage Requirements in Oregon

Oregon requires 25/50/20 auto liability ($25,000 per person bodily injury, $50,000 per accident, $20,000 property damage) PLUS mandatory Personal Injury Protection at $15,000 per person AND mandatory UM/UIM at 25/50. Oregon is an at-fault state using modified-comparative-negligence with a 51% bar. PIP pays medical and wage loss regardless of fault — but the $15k PIP floor is often inadequate for serious injuries. VKOVR recommends higher PIP and UM/UIM at 100/300, especially for Portland, Salem, and Eugene drivers. Standard homeowners insurance in Oregon covers wind, winter-storm, and fire — including wildfire in most cases — but excludes flood and earthquake. Cascadia Subduction Zone earthquake exposure is real across the entire state; earthquake endorsements or standalone policies should be evaluated explicitly (not defaulted out of). Wildfire has become a standard peril; carriers increasingly require defensible-space compliance and may apply brush or wildfire-specific deductibles. Flood requires NFIP or private flood — especially in Willamette Valley urban flash-flood zones, tsunami-exposed coastal communities, and burn-scar basins. Coverage A should track current Oregon rebuild costs. Oregon employers must carry workers' compensation insurance for virtually every worker — Oregon's Workers' Compensation Division enforces coverage strictly. Tech and semiconductor (Hillsboro Silicon Forest — Intel, Lam Research), healthcare (OHSU, Providence), forestry and wood products, Port of Portland logistics, agriculture, and outdoor/apparel (Nike, Columbia Sportswear) drive distinctive Oregon commercial pricing; general liability, cyber, D&O, commercial auto, and product liability are especially important across these sectors.