Which of these is NOT one of Oregon's mandatory minimum auto-insurance coverages?
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A.
Bodily Injury and Property Damage liability.
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B.
Personal Injury Protection (PIP).
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C.
Uninsured Motorist coverage.
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D.
Comprehensive coverage. Correct
The answer is "Comprehensive coverage."
Oregon law sets three minimum coverages every driver must carry: Bodily Injury and Property Damage liability, Personal Injury Protection (PIP), and Uninsured Motorist coverage. Comprehensive coverage, which pays for theft, fire, and vandalism damage to your own vehicle, is optional. It is commonly bundled into policies, but the state does not require it.
The traps in the wrong answers
A. Bodily Injury and Property Damage liability.
The manual lists this as the first mandatory minimum, with set per-collision dollar amounts. Misreading: Treats BI/PD liability as optional, ignoring that the manual lists it first among the required minimum amounts.
B. Personal Injury Protection (PIP).
The manual requires $15,000 in PIP coverage per person. Misreading: Treats PIP as optional, ignoring the manual's explicit $15,000-per-person PIP requirement.
C. Uninsured Motorist coverage.
The manual requires Uninsured Motorist coverage at set minimums. Misreading: Treats UM coverage as optional, ignoring its inclusion in the manual's mandatory minimum-amounts list.
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 regarding 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? →
- Under Oregon's mandatory insurance law, Personal Injury Protection (PIP) must cover at least how much per person? →
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