What is the minimum bodily-injury liability limit per ONE person in Oregon?
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A.
$25,000. Correct
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B.
$20,000.
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C.
$50,000.
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D.
$15,000.
The answer is "$25,000."
Oregon's minimum bodily-injury liability is $25,000 per collision for one person. The full liability schedule is $25,000/$50,000/$20,000: $25,000 per person for bodily injury, $50,000 per collision when two or more people are injured or killed, and $20,000 per collision for damage to the property of others. Do not confuse these liability minimums with Personal Injury Protection, a separate required coverage with a $15,000-per-person minimum listed on the same manual page.
The traps in the wrong answers
B. $20,000.
$20,000 is the per-collision minimum for damage to the property of others, not the per-person bodily-injury limit. This answer grabs the last dollar figure in the single Bodily Injury and Property Damage bullet, where all three liability numbers sit side by side.
C. $50,000.
$50,000 is the per-collision minimum for two or more people. This answer confuses the per-collision limit for bodily injury to or death of two or more persons ($50,000) with the per-one-person limit ($25,000).
D. $15,000.
$15,000 is the Personal Injury Protection minimum per person, a separate required coverage from bodily-injury liability. This answer recalls only 'per person' from the coverage list and grabs the smaller figure sitting one bullet below the liability schedule.
This question tests your knowledge of Insurance & Financial Responsibility in Oregon. Source: Oregon Driver Manual, "Mandatory Insurance," p.93..
Related Oregon questions
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