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Uninsured Motorist Coverage — Oregon

Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or insufficient coverage limits to cover your losses.

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What Is Uninsured and Underinsured Motorist Coverage Insurance?

Uninsured motorist coverage (UM) pays when the at-fault driver has no insurance. Underinsured motorist coverage (UIM) pays when the at-fault driver's liability limits are too low to cover your medical bills, lost wages, and vehicle damage. Your own carrier writes the check, up to the UM/UIM limits you purchased. Oregon law requires carriers to offer UM/UIM at limits equal to your liability coverage, and you must reject it in writing if you don't want it.

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Who Needs Uninsured and Underinsured Motorist Coverage Insurance?

It's the only coverage that pays your medical bills and lost income when the at-fault driver has no insurance or insufficient limits. If you carry minimum liability limits, consider UM/UIM limits higher than your liability coverage to protect yourself from underinsured drivers.

If the at-fault driver's liability limit is lower than your potential medical costs and lost wages, UIM pays the difference. Estimate your medical coverage gap: if your health insurance has high deductibles or excludes auto accidents, carry UM/UIM limits equal to or higher than your liability limits. If you can't afford to pay your own medical bills after an uninsured driver hits you, don't reject this coverage.

How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?

UM/UIM limits you select — higher limits cost more, and Oregon requires carriers to offer limits equal to your liability coverage
Whether you add uninsured motorist property damage coverage, which pays for vehicle damage caused by an uninsured driver
Your liability limits — UM/UIM is priced as a percentage of your liability premium, so higher liability limits increase UM/UIM cost
Whether Oregon allows stacking, which lets you combine UM/UIM limits across multiple vehicles on the same policy to increase the total available coverage
Your county's uninsured driver rate — counties with higher percentages of uninsured drivers see higher UM/UIM premiums

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