Under Oregon's mandatory insurance law, Personal Injury Protection (PIP) must cover at least how much per person?
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A.
$20,000
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B.
$15,000 Correct
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C.
$25,000
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D.
$50,000
The answer is "$15,000"
Oregon requires Personal Injury Protection of at least $15,000 per person, covering reasonable and necessary expenses incurred within two years after the date of the person's injury. PIP pays for medical, dental, and other services needed due to injury or death resulting from the use, occupancy, or maintenance of the vehicle. The trap on this question is the cluster of other minimums on the same page: $25,000 and $50,000 belong to bodily injury, and $20,000 belongs to property damage. Keep $15,000 tied to PIP.
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 PIP minimum. Misreading: Cross-wires PIP with the $20,000 per-collision property-damage minimum listed in the same Mandatory Insurance bullet list.
C. $25,000
$25,000 is the bodily-injury minimum for one person per collision (and the uninsured-motorist per-person figure); PIP is $15,000 per person. Misreading: Cross-wires PIP with the $25,000 per-person bodily-injury (and uninsured-motorist) minimum on the same page.
D. $50,000
$50,000 is the per-collision bodily-injury minimum when two or more persons are injured or killed; PIP is $15,000 per person. Misreading: Cross-wires PIP with the $50,000 per-collision bodily-injury minimum for two or more persons on the same page.
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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