What is the minimum bodily-injury liability limit per ONE person in Oregon?
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A.
$20,000.
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B.
$25,000. Correct
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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
A. $20,000.
$20,000 is the per-collision minimum for damage to the property of others, not the per-person bodily-injury limit. Misreading: Confuses the property-damage minimum ($20,000 per collision for damage to the property of others) with the per-one-person bodily-injury minimum ($25,000); both appear in the same Mandatory Insurance bullet.
C. $50,000.
$50,000 is the per-collision minimum for two or more people. Misreading: 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. Misreading: Confuses the Personal Injury Protection minimum ($15,000 per person for reasonable and necessary expenses) with the bodily-injury liability minimum for one person ($25,000).
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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- Under Oregon's mandatory insurance law, Personal Injury Protection (PIP) must cover at least how much per person? →
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