What is Oregon's minimum bodily-injury liability when TWO OR MORE people are injured or killed in one collision?
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A.
$25,000.
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B.
$50,000. Correct
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C.
$15,000.
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D.
$20,000.
The answer is "$50,000."
The Oregon minimum is $50,000 per collision for bodily injury to or death of two or more people. This is the second number in the standard 25/50/20 split: $25,000 per person, $50,000 per collision (multiple persons), $20,000 per collision for property damage. The trap is the per-person figure: a half-remembered reader reaches for $25,000 (one person) or $15,000 (the PIP per-person limit listed in the same section), but the multi-person per-collision minimum is $50,000.
The traps in the wrong answers
A. $25,000.
$25,000 is the per-person bodily injury minimum, not the multi-person per-collision minimum. Misreading: Mistakes the $25,000 per-person bodily injury figure for the per-collision figure that applies when two or more people are injured.
C. $15,000.
$15,000 is the Personal Injury Protection per-person limit listed in the same Mandatory Insurance section, not the bodily-injury per-collision figure for two or more persons. Misreading: Confuses the $15,000 Personal Injury Protection per-person figure with the $50,000 multi-person bodily-injury per-collision minimum.
D. $20,000.
$20,000 is Oregon's per-collision property damage minimum, not the bodily-injury minimum for two or more people. Misreading: Confuses the $20,000 per-collision property damage figure listed in the same Mandatory Insurance section with the bodily-injury per-collision figure for two or more persons, which is $50,000.
This question tests your knowledge of Insurance & Financial Responsibility in Oregon. Source: Oregon Driver Manual, "Mandatory Insurance," p.93..
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