Oregon like most states, requires all drivers to have some sort of valid car insurance for Oregon. Minimum liability insurance coverage in Oregon is $25,000 per person bodily injury and property damage, $50,000 per accident for bodily injury to others, and $10,000 per accident for property damage. The Oregon Department of Motor Vehicles (DMV) also requires that personal injury protection be include in the liability policy, this is for medical and other expenses incurred from the accident for up to one year after the incident. The required minimum is $15,000 per person.

Before you can register your car or get your vehicle permit, you must show proof of car insurance for Oregon. To make sure that car owners comply with the state required insurance coverages, the Oregon DMV randomly checks car insurance by requesting randomly selected owners to provide the DMV the details of their insurance. If the owners fail to respond to the request, their driving privileges will be suspended.

If the owner does not have the valid Oregon car insurance that they once claimed, they will be charged with a misdemeanor. Then must pay the fine and/or be sentenced to a year in jail. At the same time, be required to prove compliance with the Oregon insurance requirements and financial responsibility for the next three years. Failure to obtain the minimum car insurance coverage and show proof will result in driving privileges being suspended ALL OVER AGAIN.

If you are caught driving without Oregon car insurance, you will be forced to pay a fine. Your driving privileges will more than likely be suspended and your vehicle may be towed, in which case YOU have to pay the fine.

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