Understanding Oregon Auto Insurance Claims
Types of Oregon Auto Insurance Claims
Personal Injury Protection (PIP) Oregon requires all auto policies to include PIP coverage. Your own insurance company pays for:
- Medical expenses up to your policy limit (minimum $15,000)
- Lost wages (minimum $3,000 per month for up to 52 weeks)
- Domestic services and childcare costs
PIP pays regardless of fault — it is "no-fault" coverage for initial medical treatment and lost wages.
Liability Claims When the other driver was at fault, you file a third-party liability claim against their insurance. Oregon minimums are $25,000 per person / $50,000 per accident for bodily injury.
Uninsured Motorist (UM/UIM) Claims If the at-fault driver had no insurance or insufficient insurance, your own UM/UIM coverage applies. Oregon requires insurers to offer minimum $25,000/$50,000 coverage.
Property Damage Claims For vehicle repair or replacement, you can file under:
- The at-fault driver's property damage liability (covers your vehicle repair)
- Your own collision coverage (faster, but subject to your deductible)
How to Handle the Insurance Claim Process
Step 1: Report the accident to your own insurer Oregon law and most policies require prompt reporting. Be factual and brief. Do not speculate about fault.
Step 2: Use your PIP coverage Your PIP coverage pays first for medical treatment. Use it — that's what it's for.
Step 3: Document your damages Keep all medical records, bills, receipts, pay stubs showing lost wages, and repair estimates.
Step 4: Understand the settlement process Insurance companies typically want to settle claims quickly. Early offers may not reflect the full value of your damages. Consider the following before settling:
- Are you at maximum medical improvement?
- Do you have a full understanding of future medical needs?
- Have you accounted for all lost wages?
- Have you considered pain and suffering damages?
Common Insurance Adjuster Tactics
Be aware of these common tactics:
- Quick settlements — Offering fast payment before you understand your injuries
- Recorded statements — Asking for recorded statements that may be used against you
- Downplaying injuries — Suggesting injuries are minor or pre-existing
- Delaying claims — Using delay tactics hoping you will settle for less
Oregon's Bad Faith Insurance Laws
Oregon has strong bad faith insurance laws (ORS 746.230) requiring insurers to settle claims fairly and promptly. If your insurer is acting in bad faith, you may have additional remedies.