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Oregon Motorcycle Insurance Requirements

Oregon Motorcycle Insurance Requirements

Oregon is located in the Pacific Northwest portion of the United States. Located to the west of this state is the Pacific Ocean, while to the north is Washington, and to the south is California. The Snake and Columbia rivers run along the northern and eastern portions of the state. In regards to area, Oregon is among the top 10 largest states, but in terms of population it is slightly below average. The landscape throughout this area consists of volcanoes from the Cascade Mountains, waterfalls, forests, and desert in other areas.

It is also home to Crater Lake National Park – a popular tourist destination and the only national park in the state. Oregon is officially nicknamed the “Beaver State” due to the fact that when people first settled in the state, the beaver population was extremely high. Beavers are also the official state animal despite the fact that their population has been reduced by trappers. The state’s economy is largely focused on agriculture, forestry, fisheries, tourism, technology, breweries, and large corporations.

Oregon Motorcycle Insurance

Anybody that drives a motor vehicle in the state of Oregon will need to first establish financial responsibility. Regardless of whether you are driving a car, bus, taxi, or motorcycle – you need to be responsible. Responsibility means having necessary amounts of money to cover an accident that you could potentially cause. If you were in an accident and were found to be “at-fault,” you would need to have necessary finances to help pay for the damages. It is because anybody could cause a crash that everybody must show financial responsibility before driving.

How to Establish Financial Responsibility

In the state of Oregon, you really only have one option to show that you’re responsible – you must get liability insurance. The alternative to buying from a provider is to insure yourself if you happen to own a large quantity of motorcycles (and they are registered under your name).

  • Liability Insurance: The only option for most individuals is to purchase liability coverage from a state-authorized insurer.
  • Self-Insurance: If you happen to own a multitude of vehicles, you may have the option of self-insurance. This is aimed mostly at dealers and/or businesses with lots of motorcycles.

Note: In other states there are typically alternatives to insurance such as surety bonds, cash deposits, and property bonds. In Oregon, getting insurance is a legal obligation for all drivers.

Motorcycles / Two-Wheeled Vehicles Defined

It is important to know how your specific vehicle is classified. Most people know the differences between a motorcycle, moped, and motor scooter – but some don’t. If you are confused about what definition best fits your 2-wheeled vehicle, read the definitions below. If you need further assistance contact the Oregon DMV at the following number: (503) 299-9999.

Motorcycle: Any self-propelled motorized vehicle (other than a moped or farm tractor) that has a seat or saddle for the use of the rider and operates on the ground upon wheels. It is designed to travel with not more than 3 wheels in contact with the ground.

Moped: A vehicle (including any bicycle) with a power source other than an electric assisted bicycle or a motor assisted scooter. It has a seat or saddle for the use of the rider and travels on not more than three wheels in contact with the ground. It also has an independent power source that can propel the vehicle at a speed not exceeding 30 mph. If it has a combustion engine, the displacement must be between 35 cc and 50 cc. The power drive system must be fully automatic.

Motor-Assisted Scooter: Any vehicle designed to be operated on the ground with not more than 3 wheels that can be propelled by human or motor. The motor must not propel the vehicle faster than 24 mph on a level surface. The motor must also not exceed 35 cc displacement or 1,000 watts if electric. The vehicle must also have handlebars and a foot support or seat for the driver.

Oregon Motorcycle Insurance Requirements

There are various coverage requirements that must be accounted for before you drive. Below are the requirements for liability insurance, uninsured motorists, and PIP insurance. Understand that these are just the minimums and that you may want to increase your limits for added protection.

Minimum Liability Insurance:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $20,000 property damage per accident

Uninsured Motorist Coverage:

  • $25,000 per person

  • $50,000 per accident

Personal Injury Protection (PIP):

  • $15,000 per accident

Note: Uninsured Motorist coverage is what will help pay for damages if you are hit by a driver that is uninsured. PIP insurance helps cover accident-related costs. When shopping for insurance, providers will help explain these types of coverage in further detail and help you decide whether increasing your limits would be smart.

Oregon Motorcycle Laws: Safety & Licensing Requirements

Before you drive a motorcycle in this state, you need to fully understand the rules for safety and licensing. You need to know whether you should be wearing a helmet, eye protection, and how to obtain an official motorcycle license.

  • Helmets: All motorcyclists are required to wear helmets while driving. Helmets must be in compliance with the FMVSS 218 standard.
  • Eye Protection: Although protective eye-wear is not required, it is highly recommended. An alternative to eye protection is a windshield or screen on your motorcycle.
  • Headlights: You are NOT required to use headlights during the daytime, but it is a good idea.
  • License: All individuals must obtain a Motorcycle Endorsement on their driver’s license before riding. If you are a first-time applicant for an endorsement, you must complete the newly developed plan from 2009. You will have to take testing in accordance to your age – and you’ll be required to pass both a written and road examination.

Proof of Insurance in Oregon

In nearly every state, you must have proof of your insurance policy. Proof is required in the event that you are in an accident. It is also required if a police officer pulls you over and asks to see proof of coverage. If you are caught driving your motorcycle without proof, you could face some major legal consequences.

  • Insurance ID Card: Upon purchasing an insurance policy, your provider will issue you an identification card. Keep this card with you at all times while driving.
  • Certification: If you are a dealer or own a fleet and got self-insurance, you will be issued a certificate from the Oregon DMV. This certificate should be kept with you while driving.
  • Other Documentation: If you are not issued an identification card, you will need a signed letter from your insurance agent with policy details. Coverage needs to be linked to your name and motorcycle.

Penalties for Driving Without Insurance in OR

If you are caught driving without insurance coverage, you will be penalized. Penalties can vary in terms of severity, but usually the law is strict when dealing with uninsured drivers. You may get a citation, suspended license, and/or impounded motorcycle. Below are some penalties that you may end up having to deal with if you don’t get insurance.

  • Citations: All individuals will be issued a fine for driving without insurance.
  • License Suspension: Your license will be suspended until citations are paid and you have a valid insurance policy.
  • Towed Motorcycle: If you are caught driving without insurance, your vehicle may be towed. You will be responsible for paying both the towing and storage fees.
  • Suspended Driving Privileges: If you are in an accident and don’t have insurance, driving privileges will be suspended for a minimum of a full year.
  • Reinstatement Fees: Once your suspension period is over, you must pay reinstatement fees to get your license and registration reactivated.
  • SR-22 Certificate: You will need to fill out an SR-22, which helps the state track to make sure you always have insurance. You will need to use this for a minimum of three years following your offense.

Note: All of these penalties can be avoided by always maintaining your motorcycle insurance coverage. When your policy expires make sure to keep it renewed.

Oregon Motorcycle Insurance Companies

In order to find a company that provides good coverage at a reasonable cost, you will need to comparison shop. With the help of the internet, it is actually pretty easy to compare many different companies. You should start by entering your Zip Code in the form below (or at the top of the page). When you enter your Zip, you will see a list of providers that are licensed to sell insurance in your specific area.

It is a smart idea to get a quote from each of the companies in your area. Getting quotes will help you determine which companies are offering the most coverage for your money. If you want to learn more about a certain company, be sure to read the review on this website. When you finally settle on a company, hopefully you are able to get quality coverage at an affordable price.

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