Uninsured Motorist Coverage — Oregon
Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.
Free to compare
What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when the at-fault driver has no insurance and cannot pay for the damage they caused. It covers your medical expenses, lost wages, and vehicle repair costs up to your policy limits. Oregon law does not require carriers to include it automatically, so you must request it when you buy a policy. Hit-and-run accidents where the driver cannot be identified also trigger this coverage, making it one of the few ways to recover costs when the responsible party disappears.
Who Needs Uninsured Motorist Coverage Insurance?
Drivers with SR-22 filings after a DUII or uninsured driving conviction should carry it because you already have one strike—a second uninsured incident, even as the victim, creates reinstatement complications.
If that total exceeds six months of savings, buy UM coverage. If you're reinstating after suspension and need SR-22, include it—your next suspension will be longer and more expensive, and UM coverage is evidence of responsible risk management that benefits you in court or at the DMV if another incident occurs.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your driving record—carriers price UM coverage lower for drivers with clean records because they statistically file fewer claims of any type.
Related Coverage Types
