Uninsured Motorist Coverage — Oregon
Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or who flees the scene.
Free to compare
What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance, insufficient coverage, or flees the scene. In Oregon, carriers must offer it at state minimum liability limits or higher — you can only drop it by signing a written rejection form. If you're reinstating a suspended license and need SR-22 filing, your policy must include this coverage unless you explicitly waive it. The coverage kicks in when the other driver is identified as uninsured or when they cannot be identified at all, such as in a hit-and-run crash.
Who Needs Uninsured Motorist Coverage Insurance?
Suspended license drivers in Oregon should carry Uninsured Motorist Coverage during reinstatement because state law requires it unless you sign a written rejection, and most SR-22 reinstatement orders mandate it. If you're driving on a hardship or work permit, this coverage protects you when an uninsured driver causes a crash and you cannot afford out-of-pocket medical or vehicle repair costs. Drivers without collision coverage should add Uninsured Motorist Property Damage because it pays for vehicle damage caused by uninsured drivers without triggering a deductible, which matters when you're already paying elevated premiums due to SR-22 classification.
Check your reinstatement order first — if it specifies state minimum coverage, that includes Uninsured Motorist unless the order explicitly excludes it. If your medical insurance has high deductibles or does not cover auto accidents, keep Uninsured Motorist bodily injury at limits matching your liability coverage to ensure you're protected at the same level as drivers you might injure.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Oregon county — Multnomah and Lane counties see higher uninsured motorist rates than rural counties, increasing premium by 15 to 25 percent due to higher claim frequency.
- SR-22 filing status — suspended license drivers with SR-22 requirements pay 10 to 20 percent more for all coverage components including Uninsured Motorist due to non-standard policy classification.
- Prior claims history — if you've filed Uninsured Motorist claims in the past three years, some carriers increase your rate by 8 to 15 percent even though you were not at fault.
- Stacking election — Oregon allows you to stack Uninsured Motorist limits across multiple vehicles on the same policy, which doubles or triples your per-accident coverage but increases premium by 40 to 60 percent of the base Uninsured Motorist cost.
Related Coverage Types
