What is an at-fault accident in Oregon? This question is about At-Fault Accident Basics

What is an at-fault accident in Oregon?

This question is about At-Fault Accident Basics

Leif Olson, Car Insurance Writer

@leif_olson_1 • 08/23/23 This answer was first published on 08/23/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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An at-fault accident in Oregon is a car accident caused by a negligent or careless driver. Oregon is an at-fault state, which means the at-fault driver’s liability insurance covers medical expenses and property damage for other drivers and their passengers involved in an accident.

Every state has different liability insurance requirements. In Oregon you are legally required to have at least $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

How Oregon Determines Negligence

States assign fault based on slightly different definitions of negligence. Oregon uses modified comparative negligence, meaning that drivers do not recoup accident-related costs if they are more than 50% at fault for an accident.

For example, if you are 52% responsible for an accident you would not receive any payment because you would be over the 50% threshold.

To learn more, check out WalletHub’s guide to at-fault accidents.

How long do points stay on your license in Oregon?

Oregon does not use a license-points system to track driving offenses. Even though Oregon does not use points, each violation will be added to your Oregon driving record, and most violations will remain on your record for 5 years.

Additionally, Oregon drivers can still face consequences if they commit serious or repeated moving violations. For example, drivers in Oregon can have their license suspended if they are caught driving without insurance.

Your driving record...

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Is Oregon a no-fault state?

No, Oregon is not a no-fault state for auto insurance. Oregon is an "at-fault" or "tort" state, which means the person who is at fault for a car accident is responsible for paying for other people's injuries and property damage resulting from the accident. Additionally, unlike in no-fault states, drivers in Oregon can file lawsuits to seek compensation for even basic medical expenses after an accident.

One similarity Oregon has with most no-fault states, however, is that Oregon drivers are...

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What are the minimum liability car insurance requirements do I need in Oregon?

The minimum liability car insurance requirements in Oregon are $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $20,000 in property damage liability insurance. These requirements can also be written as 25/50/20. In addition, drivers in Oregon will need to purchase $15,000 in personal injury protection coverage, plus $25,000 per person and $50,000 per accident in uninsured motorist coverage to satisfy the state's minimum car insurance requirements.

Liability insurance pays for others' medical expenses and property damage after an...

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