Which of these is NOT one of Oregon's mandatory minimum auto-insurance coverages?
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A.
Uninsured Motorist coverage.
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B.
Bodily Injury and Property Damage liability.
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C.
Personal Injury Protection (PIP).
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D.
Comprehensive coverage. Correct
The answer is "Comprehensive coverage."
Oregon law names three mandatory coverages: Bodily Injury and Property Damage liability, Personal Injury Protection, and Uninsured Motorist Coverage. Comprehensive pays for theft, fire, and vandalism to your own vehicle, and the state does not require it. Drivers coming from states where UM is sold as an optional upgrade often mislabel it as an add-on and reach for A.
The traps in the wrong answers
A. Uninsured Motorist coverage.
The manual lists Uninsured Motorist Coverage at $25,000 per person and $50,000 per collision as one of the required minimum amounts. This answer treats UM as an insurer add-on because it is offered as an optional upgrade in states where it is not floor-mandated.
B. Bodily Injury and Property Damage liability.
The manual lists BI/PD liability first among the mandatory minimums, with specific per-collision dollar amounts. This answer confuses picking a liability limit above the minimum, which drivers do choose, with picking whether to carry liability coverage at all.
C. Personal Injury Protection (PIP).
The manual requires $15,000 per person in PIP for medical, dental, and related expenses within two years of the injury. This answer recalls the rule from a state where PIP is a no-fault add-on drivers may waive, not an Oregon-imposed minimum.
This question tests your knowledge of Insurance & Financial Responsibility in Oregon. Source: Oregon Driver Manual, "Mandatory Insurance," p.93..
Related Oregon questions
- What does Oregon law require every driver to carry for auto insurance? →
- What is the minimum bodily-injury liability limit per ONE person in Oregon? →
- What is Oregon's minimum bodily-injury liability when TWO OR MORE people are injured or killed in one collision? →
- What is Oregon's minimum property-damage liability coverage? →
- What is Oregon's minimum Uninsured Motorist (UM) coverage for bodily injury? →
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