Car Accident Compensation in Oregon | Guide 2026

Oregon is an at-fault state with modified comparative negligence (51% bar) — but uniquely also requires $15,000 PIP coverage. This gives you a safety net regardless of fault.

51% Bar + Required PIP

More than 50% fault = $0 from the other driver (ORS 31.600). But your $15,000 PIP covers your medical expenses regardless.

Statute of Limitations

Personal injury: 2 years (ORS 12.110)
Property damage: 6 years
Wrongful death: 3 years
Government claims: 180 days notice (Oregon Tort Claims Act)

Average Settlements

Injury Type	Range
Soft tissue	$12,000 – $40,000
Moderate	$40,000 – $150,000
Serious	$150,000 – $400,000
Catastrophic	$400,000 – $5,000,000+

Insurance: 25/50/20 + $15K PIP

Oregon is one of few at-fault states requiring PIP — an extra safety net.

Updated May 2026. Sources: ORS 31.600; ORS 12.110; Oregon State Bar.

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