Oregon: rules and deadlines at a glance

Every 11 topic we track for Oregon on one page. Open a topic for the details, the law it comes from and how Oregon compares.

Compare Oregon with another state →

Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Dog bite rules · Shared fault rules · Accident reporting rules · Phone-while-driving laws · Motorcycle helmet laws · Uninsured drivers

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.

Filing deadlines (statute of limitations)

Personal injury	2 years
Property damage	6 years

Car insurance by state

Minimum liability	$25,000 / $50,000 / $20,000
Fault system	At-fault, with required PIP
Shared-fault rule	Modified comparative: barred at 51% fault or more

Claim deadlines

Acknowledge	30 days (unless paid sooner)
Accept or deny	30 days after proof of loss
Pay	Not set by rule

Small claims limits Single detailed source

Dollar limit	$10,000
Filing fee	$57 or $102
Lawyers	Only with the judge's consent

Total loss rules

Total loss rule	80% of actual cash value

Dog bite rules Single detailed source

Rule	Strict liability
Details	Strict liability for economic damages

Shared fault rules

Rule	Modified comparative negligence (51% bar)
When you are barred	Barred if you are 51% or more at fault

Accident reporting rules

Report required if	Injury, death, over $2,500 damage, or any vehicle towed
Deadline	72 hours

Phone-while-driving laws Single detailed source

Handheld ban	Yes, all drivers (primary)
Texting ban	Yes, primary

Motorcycle helmet laws Single detailed source

Law type	Universal
Who must wear one	All riders (universal law)

Uninsured drivers Single detailed source

Drivers uninsured	14.7%
UM/UIM coverage	Uninsured and underinsured motorist required