Key points
Minimum liability is $25,000 for one person, $50,000 for two or more, and $20,000 for property damage per collision.
Source: Handbook p. 93
“Bodily Injury and Property Damage: $25,000 per collision for one person; $50,000 per collision for bodily injury to or death of two or more persons; and $20,000 per collision”
Oregon Driver Manual, Handbook p. 93Personal injury protection must be at least $15,000 per person.
Source: Handbook p. 93
“Personal Injury Protection: $15,000 per person for reasonable and necessary expenses within two years after the date of the person's injury.”
Oregon Driver Manual, Handbook p. 93Uninsured motorist coverage must be at least $25,000 per person and $50,000 per collision.
Source: Handbook p. 93
“Uninsured Motorist Coverage: $25,000 per person; $50,000 per collision for bodily injury.”
Oregon Driver Manual, Handbook p. 93If no one is hurt and vehicles can move safely, move them out of travel lanes as soon as possible.
Source: Handbook p. 93
“If there are no injuries and vehicles can be safely moved, move them out of travel lanes as soon as possible.”
Oregon Driver Manual, Handbook p. 93If someone is killed or unconscious, stay at the scene until police arrive.
Source: Handbook p. 94
“If a person is killed or unconscious, remain at the scene of the collision until police arrive.”
Oregon Driver Manual, Handbook p. 94File a DMV collision report within 72 hours if, among other cases, damage to the vehicle you were driving is over $2,500.
Source: Handbook p. 94
“File a collision report within 72 hours, Form 735-32, if: » Damage to the vehicle you were driving is over $2,500;”
Oregon Driver Manual, Handbook p. 94A police report does not replace your own DMV report.
Source: Handbook p. 94
“A police report does not replace your requirement to file a report with DMV.”
Oregon Driver Manual, Handbook p. 94If you hit an unattended vehicle and cannot find the owner, leave a note with your name and address.
Source: Handbook p. 94
“If you cannot find the owner, leave a note with your name and address, along with a brief description of what happened.”
Oregon Driver Manual, Handbook p. 94
Numbers to know
| Number | What it means | Manual |
|---|---|---|
| $25,000 / $50,000 | bodily injury minimum for one person / two or more persons | Handbook p. 93 |
| $20,000 | property damage minimum per collision | Handbook p. 93 |
| $15,000 | personal injury protection per person | Handbook p. 93 |
| $25,000 / $50,000 | uninsured motorist minimum per person / per collision | Handbook p. 93 |
| 72 hours | deadline for the DMV collision report | Handbook p. 94 |
| $2,500 | damage threshold that requires a report | Handbook p. 94 |
3 questions from the Oregon practice test
1. Which minimum liability amount covers property damage to others under Oregon's required insurance?
- $20,000 per collision
- $15,000 per collision
- $10,000 per collision
- $25,000 per collision
Show answer
$20,000 per collision. Oregon’s minimum required coverage for damage to another person’s property is $20,000 per collision. The $25,000 figure belongs to bodily injury for one person, and $50,000 applies to bodily injury or death involving two or more people. $10,000 and $15,000 are below the property-damage minimum described in the manual. When reviewing an insurance policy, separate property damage from personal injury protection and bodily-injury limits so a familiar number is not assigned to the wrong category.
2. Which reporting requirement remains the driver’s responsibility even when police file a report after a reportable Oregon collision?
- The driver's duty to exchange information
- The driver's requirement to file a report with DMV
- The need to remain at the scene until police arrive in every crash
- The requirement to obtain a new driver license
Show answer
The driver's requirement to file a report with DMV. Oregon says a police report does not replace the driver's requirement to file a report with DMV. A reportable collision may require the DMV form within 72 hours when damage, towing, injury, or death meets the listed conditions. Calling police does not transfer that filing duty, and the other choices describe duties or actions that are not the specific replacement issue in this passage. After a crash, exchange information, determine whether the collision is reportable, and complete the DMV filing even when an officer has documented the scene.
3. After a collision with no injuries, both vehicles can be moved safely. What should you do first after stopping?
- Keep both vehicles in the travel lanes until an officer arrives
- Wait in the lane until a tow truck removes both vehicles
- Leave the scene before exchanging information with the other driver
- Move the vehicles out of the travel lanes as soon as possible
Show answer
Move the vehicles out of the travel lanes as soon as possible. Oregon's collision procedure protects people from a second crash when disabled vehicles are still movable. Stop first, confirm that nobody is injured, and then move the vehicles out of the travel lanes as soon as it can be done safely. The choice “Keep both vehicles in the travel lanes until an officer arrives” creates an avoidable obstruction and leaves following traffic to discover the crash too late. Moving the cars does not cancel the duty to exchange information. Think of the sequence as stop, check for injury, clear the lane, then handle the information exchange away from moving traffic.
Practice this topic
Lock it in with emergencies questions from the free Oregon practice test. Every answer comes with a plain English explanation.
Source: the Oregon Driver Manual, Other Important Information: Mandatory Insurance and Traffic Collisions. This lesson is a plain English summary, not the law itself; where it differs, the manual and the statute govern. Last checked 2026-09-27.