All drivers in the state of Oregon are required by law to own the proper auto liability insurance coverage with the exception of snow vehicles, farm trailers and tractors, collection car (vintage or antique) scooters and personal electric motorized units (electric wheelchairs, Segways, etc.). Minimum Liability insurance required by the state is of:

• $25,0000 to cover bodily injury per person
• $50,0000 to cover bodily injury per accident (driver and passengers)
• $10,000 to be used for property damage
• $15,000 for PIP (Personal Injury Protection)
• $25,000 for uninsured motorist per person
• $50,000 for uninsured motorist per accident.

While driving in Oregon, law enforcement officers may request to see proof of insurance either if you are pulled over or if involved in an accident. You must comply with this requirement and show that you own the correct car insurance. Proof can be shown as an insurance ID card (issued by the insurance company at the moment when you purchase your auto insurance policy) and the insurance policy (original).
If you are self-insured, you must have proof of this. A letter issued by your agent or insurance carrier can be used too as proof.

Oregon is a no-fault state; this means that no matter who is responsible for the accident, every driver must be covered by their own insurance policy.The benefit of a no fault state is that regardless whose fault is it, the insured will get paid quickly by the insurer since no time is lost in determining who caused the accident. After the insurance company has paid the insured, it may pursuit reimbursement with the responsible party of the event.

It's also highly recommended to add the following common coverages to your existing policy, this will help widen the range of coverage you are entitled in the event of an accident.

Since the State already requires Uninsured motorist, the other coverages usually bought with it are Underinsured motorist, Collision and Comprehensive.

Underinsured motorist will help when the driver responsible for the accident does not have enough liability coverage to pay for damage and injuries caused to you and your passengers.

For any hit and run accident, Uninsured motorist coverage will pay for your vehicle's reparations.

Collision coverage will, as it name says, take care of collision expenses, but it will not pay for any medical expenses or bills. Regardless the type of accident, small bump or high speed collision, this coverage will pay for any physical damage your vehicle may suffer.

Comprehensive coverage comes handy when your vehicle is damaged by an event not related to a collision with another vehicle. For instance if a fallen object like tree branches, debris, etc, collides in your car, comprehensive coverage will help you pay for the expenses related to fixing it. It is also recommended for those States where extreme weather events may occur, such as tornados, flooding, high winds, etc. Comprehensive will pay also for physical damage caused by vandalism or theft.