Owning a car in the Beaver State also means having a certain amount of responsibility. Automobile accidents are unfortunately common and oftentimes lead to damages that need to be repaired. If an oregon vehicle owner is responsible for a crash they must be able to pay for many of the resulting damages or injuries. To ensure that all motorists can accomplish this if necessary, state law ORS 806.010 requires all drivers to insure their automobiles with policies that include bodily injury and property damage liability, as well as personal injury protection and uninsured motorist coverage. Breaking these laws could result in a variety of consequences, including the suspension of ones license.
When state legislature declares that it is illegal to drive without a vehicle protection plan they are entirely serious. Drivers in the Beaver State must be able to prove that they have purchased Oregon auto insurance every time they register an automobile, and certify that the states financial responsibility requirements will be met as long as there is a vehicle registered in the residents name. If caught without coverage a motorist may have their license suspended in addition to various fines and court costs. If an individual is involved in an automobile accident while uninsured they may have their license suspended for an entire year and be forced to file an SR-22 with the DMV for a total of three years in order to have driving privileges returned.
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