Under Oregon's mandatory insurance law, what is the minimum Personal Injury Protection (PIP) coverage every driver must carry?
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A.
$25,000 per person
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B.
$15,000 per person Correct
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C.
$50,000 per collision
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D.
$20,000 per collision
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. Slow down on the numbers; match each dollar figure to its coverage type, not to the list as a whole.
The traps in the wrong answers
A. $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. Misreading: Lifts the $25,000 figure from the bodily injury and uninsured motorist lines of the same minimums list and applies it to PIP.
C. $50,000 per collision
$50,000 per collision is the bodily injury minimum for two or more persons, not the PIP amount. Misreading: Applies the two-or-more-persons bodily injury minimum ($50,000 per collision) to PIP instead of the $15,000 per person PIP line.
D. $20,000 per collision
$20,000 per collision is the minimum for damage to the property of others, not the PIP amount. Misreading: Applies the property damage minimum ($20,000 per collision) to PIP instead of the $15,000 per person PIP line.
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 regarding 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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