Oregon Bodily Injury

Understanding how Oregon bodily injury works will help you understand how you will get your medical care covered for your injuries. All states have requirements for the type of car insurance you are required to purchase in order to drive.

In Oregon, drivers are required to purchase Liability, which is separated into Bodily Injury Liability and Property Damage Liability, and Personal Injury Protection (PIP).

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Personal Injury Protection - (PIP)

Whether you are responsible for the accident or not, your own insurance company will pay for the medical expenses and loss of wages for you and your passengers. To understand in more detail how PIP works, return to this page, Understanding How PIP works- getting your medical care paid for.

After a car accident in Utah it is very important that you call your own insurance company to report the accident, even if you know the other driver was at fault.

Bodily Injury Liability

Your coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued.

Property Damage Liability

This liability covers you if your car damages someone else's property. This means damage to their car, or their property, such as crashing into someone's fence, or if you crash into their home. Like Bodily Injury Liability, Property Damage Liability coverage will provide legal protection to you if you are sued after the accident.

Who Was At Fault

Oregon is a Fault State. This means that before either insurance company pays for your medical bills, the insurance companies will want to determine who was at fault in the accident. This means that your insurance company and the company for the other driver will pay damages for medical claims, wage loss and other expenses based on the degree of fault for both drivers.

After a car accident in Oregon it is very important that you call your own insurance company to report the accident, even if you know the other driver was at fault.

However, Oregon follows a 51% bar rule, which means an injured party cannot recover for damages if the person is 51% or more at fault, but can recover damages if the individual is 50% or less at fault. Recovery is reduced by degree of fault.

Determining who is at fault after a car accident is complicated and cannot be sorted out online. Your insurance company will help you with this.

Oregon Statute of Limitations

The Statute of Limitations means that you must file a lawsuit or close or settle your case within your state time limits. The time clock starts on the day of the car accident.

Injury: 10 years

Property Damage: 10 years

Determining who is at fault after a car accident is complicated and cannot be sorted out online. Your insurance company will help you with this.

To learn more about your State's insurance rules and regulations:

Oregon State Website for Insurance Questions