Under Oregon's mandatory insurance law, what is the minimum Personal Injury Protection (PIP) coverage every driver must carry?
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A.
$50,000 per collision
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B.
$20,000 per collision
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C.
$25,000 per person
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D.
$15,000 per person Correct
The answer is "$15,000 per person"
Oregon's mandatory insurance minimums include Personal Injury Protection at $15,000 per person, covering reasonable and necessary expenses within two years after the date of the injury. The trap is the cluster of nearby dollar figures in the same list: $25,000 and $50,000 belong to bodily injury and uninsured motorist coverage, and $20,000 is the property damage minimum. Choice C is the sharpest miss: 'per person' shows up on both the uninsured motorist line and the PIP line, so a test-taker who matches on the shared phrasing lifts the $25,000 figure and skips past the $15,000 row that actually names PIP.
The traps in the wrong answers
A. $50,000 per collision
$50,000 per collision is the bodily injury minimum for two or more persons, not the PIP amount. This answer anchors on the largest dollar figure in the mandatory insurance list, on the habit that the number worth remembering must be the biggest one printed.
B. $20,000 per collision
$20,000 per collision is the minimum for damage to the property of others, not the PIP amount. This answer grabs the property-damage figure by treating any 'per collision' line as the medical coverage number, missing that PIP is listed on its own 'per person' line.
C. $25,000 per person
$25,000 per person is the uninsured motorist minimum, and $25,000 per collision for one person is the bodily injury minimum. PIP is $15,000 per person. This answer matches on the 'per person' phrasing that the uninsured motorist line shares with PIP, then borrows the uninsured motorist dollar figure.
This question tests your knowledge of Insurance & Financial Responsibility in Oregon. Source: Oregon Driver Manual, "Mandatory Insurance," p.93..
Related Oregon questions
- What does Oregon law require every driver to carry for auto insurance? →
- Which of these is NOT one of Oregon's mandatory minimum auto-insurance coverages? →
- What is the minimum bodily-injury liability limit per ONE person in Oregon? →
- What is Oregon's minimum bodily-injury liability when TWO OR MORE people are injured or killed in one collision? →
- What is Oregon's minimum property-damage liability coverage? →
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