What is Oregon's minimum property-damage liability coverage?
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A.
$15,000.
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B.
$20,000. Correct
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C.
$25,000.
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D.
$50,000.
The answer is "$20,000."
The Oregon minimum is $20,000 per collision for damage to the property of others. This covers things like the other vehicle, fences, mailboxes, light poles, or any other property damaged in the collision. It does not cover damage to your own vehicle; that requires collision coverage, which is optional.
The traps in the wrong answers
A. $15,000.
The $15,000 figure is the per-person Personal Injury Protection minimum, not property damage. Misreading: Substitutes the Personal Injury Protection per-person minimum for the property-damage minimum.
C. $25,000.
$25,000 is the bodily-injury per-person minimum, not the property-damage minimum. Misreading: Confuses the bodily-injury per-person minimum with the property-damage minimum.
D. $50,000.
$50,000 is the bodily-injury per-collision minimum when two or more persons are injured, not the property-damage minimum. Misreading: Confuses the bodily-injury per-collision minimum for two or more persons with the property-damage minimum.
This question tests your knowledge of Insurance & Financial Responsibility in Oregon. Source: Oregon Driver Manual, "Mandatory Insurance," p.93..
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