The Insurance Suspension
ORS 806.010 and ORS 806.200 — driving uninsured, and a filing within 30 days after a crash
Driving uninsured. Operating a motor vehicle on a highway or premises open to the public without a qualifying liability policy, or other proof of financial responsibility on file with the Department of Transportation, is driving uninsured, a Class B traffic violation. A person convicted of it files and maintains proof of financial responsibility for one year.
| The minimum the coverage has to pay | Amount |
|---|---|
| The minimum the coverage has to payBodily injury or death of one person in one accident | Amount$25,000 |
| The minimum the coverage has to payBodily injury or death of two or more persons in one accident | Amount$50,000 |
| The minimum the coverage has to payInjury to or destruction of others' property in one accident | Amount$20,000 |
A crash while uninsured: a filing within 30 days. An owner or driver of a vehicle in an accident while it was operated uninsured, who is not exempt, has to make a future responsibility filing within 30 days after the accident. Not doing it is a Class B traffic violation and subjects the person to suspension of driving privileges.
Proof in the car. Not having current proof of insurance in the vehicle is a separate Class B traffic violation, but it does not apply if the officer verifies coverage electronically, and the court dismisses the charge if, before the appearance date, the driver delivers proof that coverage was in place at the time.
Being in an accident while uninsured also subjects a person to suspension under another section not reproduced here, as do the details of the filing itself and how long it lasts. Exempt vehicles are listed elsewhere. Whether a suspension can be avoided in a particular case is a question for a licensed Oregon attorney.
Sources for this section (4)
- ORS 806.010 — Driving uninsured prohibited
- ORS 806.012 — Failure to carry proof of compliance with financial responsibility requirements
- ORS 806.070 — Minimum payment schedule
- ORS 806.200 — Failure to file after accident
Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Oregon attorney.