Chapter 806 — Chapter 806
40 sections in this chapter.
ORS 806.010 Driving uninsured prohibited; penalty. (1) A person commits the offense of driving uninsured if the person operates a motor vehicle in this state on any highway or premises open to the public in this state without either
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(a) The person being insured while driving the vehicle under a motor vehicle liability insurance policy that meets the requirements described under ORS 806.080; or (b) The person or the owner of the vehicle providing the Department of Transportation with other satisfactory proof …
ORS 806.011 Proof of insurance; rules. (1) Proof of insurance issued as provided in ORS 742.447, or other current proof of compliance with financial or future responsibility requirements approved by rule by the Department of Transportation, shall be carried in each motor vehicle that is operating in this state and that is not exempt from compliance with financial or future responsibility requirements
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(2) The use of an electronic device to display proof of insurance does not constitute consent for a police officer to access other contents of the electronic device. (3) Failure of the driver of a motor vehicle to show proof of insurance or other current proof of compliance when …
ORS 806.012 Failure to carry proof of compliance with financial responsibility requirements; rules; penalty. (1) A person commits the offense of failure to carry proof of compliance with financial responsibility requirements if the person operates a motor vehicle in this state and does not have in the vehicle current proof of compliance with financial responsibility requirements
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(2) The Department of Transportation shall determine by rule what constitutes proof of compliance with financial responsibility requirements. (3) This section does not apply: (a) To persons operating motor vehicles that are exempt from financial responsibility requirements by ORS…
ORS 806.014 [1993 c.814 §§5,7; renumbered 809.715 in 1995]
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[Repealed or reserved.]
ORS 806.016 [1993 c.814 §6; renumbered 809.716 in 1995]
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[Repealed or reserved.]
ORS 806.020 Exemptions from financial responsibility requirements. This section provides exemptions from the necessity for compliance with or proof of compliance with financial responsibility requirements in accident reports under ORS 811.725, when applying for vehicle registration under ORS 803.370 or 803.460 and for operating a vehicle under ORS 806.010. The owner or operator of a vehicle is exempt, as provided by this section, from financial responsibility requirements if the vehicle involved in the accident, sought to be registered or operated is any of the following
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(1) An antique vehicle issued permanent registration under ORS 805.010. (2) A farm trailer. (3) A farm tractor. (4) An implement of husbandry. (5) A vehicle of special interest that is maintained as a collector’s item and used for exhibitions, parades, club activities and similar…
ORS 806.030 [1983 c.338 §839; repealed by 2009 c.257 §11]
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[Repealed or reserved.]
ORS 806.040 Judgments for which financial responsibility requirements established. Financial responsibility requirements are designed to provide for minimum payment of judgments of the type described in this section. For the purposes of ORS 806.130, 806.140, 809.130 and 809.470, judgments of the type described in this section must
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(1) Have become final by expiration, without appeal, of the time within which an appeal might have been perfected or by final affirmation on appeal; (2) Be rendered by a court of competent jurisdiction of any state or of the United States; (3) Be upon a cause of action for damage…
ORS 806.050 Falsification of financial responsibility; penalty. (1) A person commits the offense of falsification of financial responsibility if the person does any of the following
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(a) Forges or, without authority, signs any evidence of proof of compliance with financial responsibility requirements. (b) Files or offers for filing any evidence of proof of compliance with financial responsibility requirements knowing or having reason to believe that the proof…
ORS 806.055 Giving false information about liability insurance to police officer; penalty. (1) A person commits the offense of giving false information about liability insurance to a police officer if the person knowingly gives false information about the person’s motor vehicle liability insurance coverage to any police officer who is enforcing motor vehicle laws
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(2) The offense described in this section, giving false information about liability insurance to a police officer, is a Class B misdemeanor. [1991 c.330 §2] REQUIREMENTS (Generally)
ORS 806.060 Methods of compliance. A person who is required to comply with the financial responsibility requirements of this state must be able to respond in damages, in amounts required under this section, for liability on account of accidents arising out of the ownership, operation, maintenance or use of motor vehicles and must establish that ability by one of the methods required by this section. All of the following apply to the financial responsibility requirements of this state
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(1) To meet the financial responsibility requirements, a person must be able to respond in damages in amounts not less than those established under the payment schedule under ORS 806.070. (2) A person may only comply with the financial responsibility requirements of this state by…
ORS 806.070 Minimum payment schedule. (1) This section establishes a schedule of payments for the following purposes
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(a) An insurance policy described under ORS 806.080 must provide for payment of at least amounts necessary to cover the minimum required payments under this section to qualify for use for financial responsibility under ORS 806.060. (b) A person who is self-insured under ORS 806.1…
ORS 806.075 Insurance requirements for person convicted of driving under influence of intoxicants. Notwithstanding any other provision of this chapter, a person convicted of driving under the influence of intoxicants under ORS 813.010 is subject to the following requirements for the method of complying with and the amounts needed to meet financial responsibility requirements and for the duration of future responsibility filings
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(1) The person must have a certificate or certificates of insurance that meet the requirements of ORS 806.270 except that the certificate or certificates must show that the person is covered by insurance that provides at least: (a) $50,000 because of bodily injury to or death of …
ORS 806.080 Insurance. (1) A motor vehicle liability insurance policy used to comply with financial responsibility requirements under ORS 806.060 must meet all of the following requirements
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(a) It must be a policy or part of a policy designating, by explicit description or by appropriate reference, all motor vehicles for which coverage is provided by the policy. (b) It must insure the named insured and all other persons insured under the terms of the policy against …
ORS 806.090 [1983 c.338 §845; 1999 c.59 §238; repealed by 2003 c.175 §1]
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[Repealed or reserved.]
ORS 806.100 [1983 c.338 §846; 1985 c.16 §428; repealed by 2003 c.175 §1]
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[Repealed or reserved.]
ORS 806.110 [1983 c.338 §847; repealed by 1995 c.41 §9]
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[Repealed or reserved.]
ORS 806.115 [1995 c.41 §2; repealed by 2003 c.175 §1]
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[Repealed or reserved.]
ORS 806.120 [1983 c.338 §848; 1985 c.16 §429; repealed by 1995 c.41 §9]
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(Self-Insurance)
ORS 806.130 Self-insurance. (1) To qualify as a self-insurer for purposes of financial responsibility requirements under ORS 806.060, a person must do all of the following
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(a) Apply to the Department of Transportation and be issued by the department a certificate of self-insurance under ORS 806.140. (b) Either: (A) Establish to the satisfaction of the department that the person possesses and will continue to possess the ability to pay and discharge…
ORS 806.140 Certificate; issuance; cancellation. (1) The Department of Transportation shall issue a certificate of self-insurance for purposes of financial responsibility requirements under ORS 806.060 and future responsibility filings under ORS 806.240 to any person who qualifies under ORS 806.130
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(2) The department may cancel a certificate of self-insurance issued under this section upon reasonable grounds. Failure to pay any judgment described under ORS 806.040 within 30 days after it has become final constitutes reasonable grounds for cancellation under this subsection.…
ORS 806.150 Department verification program; rules. The Department of Transportation shall establish by rule a program to verify compliance with the financial responsibility requirements of operating a motor vehicle in this state. The program established under this section shall comply with all of the following
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(1) The department may select vehicles registered in this state for verification when the department considers the selection necessary or appropriate. The department may emphasize verification of vehicles registered to individuals who: (a) Have been convicted of violating ORS 806…
ORS 806.160 [1983 c.338 §852; 1985 c.714 §3; 2001 c.104 §300; 2009 c.257 §2; repealed by 2019 c.312 §36]
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[Repealed or reserved.]
ORS 806.170 Department check on financial certification on accident reports. The Department of Transportation shall investigate all certifications of compliance with financial responsibility requirements made on reports of accidents under ORS 811.725 and 811.730. The department shall contact the insurers listed on the certifications to determine whether each certification is accurate. If the certification is not correct, an insurer shall notify the department no later than 60 days after receiving a request from the department for verification of the accuracy of the certification. [1983 c.338 §853; 2009 c.257 §3]
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[Repealed or reserved.]
ORS 806.180 Information to be provided when certification of compliance required. A person who is required under ORS 803.460 or 811.725 to provide proof of compliance with financial responsibility requirements shall certify proof of compliance in a manner prescribed by the Department of Transportation by rule and shall provide any information that the department requires. [1983 c.338 §854; 1985 c.714 §4; 1987 c.158 §166; 1993 c.751 §30; 2003 c.364 §172; 2019 c.312 §3]
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[Repealed or reserved.]
ORS 806.190 Insurance carrier report of person involved in accident who is in violation of ORS 806.010; civil liability. (1) Every insurance carrier that issues property and casualty insurance policies, as defined in ORS chapter 731, in this state shall report to the Department of Transportation any person the carrier has reason to believe is involved in an accident while the person is operating a vehicle in violation of ORS 806.010. The carrier shall make the report required by this section whether or not the accident
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(a) Is a reportable accident under ORS 811.720; or (b) Occurred on a highway or on any other premises open to the public. (2) An insurance carrier shall file the report no later than 60 days after the carrier first has reason to believe that a person was involved in an accident w…
ORS 806.195 Information submitted by insurers; rules; use. (1) The Department of Transportation shall specify by rule
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(a) Any information that insurers shall submit to the department in addition to that specifically required by ORS 742.580. (b) The form in which the information required by ORS 742.580 and by rules adopted under this section shall be submitted. (2) Information submitted to the de…
ORS 806.200 Failure to file after accident; penalty. (1) A person commits the offense of failure to make a future responsibility filing after an accident if
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(a) The person is the owner or driver of a motor vehicle involved in an accident; (b) At the time of the accident the vehicle was operated in violation of ORS 806.010; (c) The person does not make a future responsibility filing within 30 days after the accident; and (d) The perso…
ORS 806.210 Exemption from requirement to file after accident. As appropriate, the driver or the owner, or both, are exempt from the requirement under ORS 806.200 to make a future responsibility filing if the person claiming exemption furnishes to the Department of Transportation proof of any of the following
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(1) At the time of the accident the driver was operating a vehicle owned by or leased to and operated under the direction of the United States of America, this state or any municipality or subdivision thereof. (2) At the time of the accident the vehicle was lawfully parked. (3) S…
ORS 806.220 [1983 c.338 §857; 1985 c.393 §64; 1985 c.714 §5; 2019 c.312 §4; repealed by 2025 c.415 §46]
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[Repealed or reserved.]
ORS 806.230 Failure of previous violator to file. (1) A person commits the offense of failure of a previous violator to make a future responsibility filing if the person is convicted of a violation of ORS 806.010 or 806.050 and the person does not make a future responsibility filing within 30 days after the conviction
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(2) In addition to any other penalties under this section, a violator of this section is subject to suspension of driving privileges under ORS 809.415. (3) The offense described in this section, failure of a previous violator to make future responsibility filing, is a Class A tra…
ORS 806.240 Proof of compliance with future responsibility filing requirement; filing for another; failure of proof to meet requirements. Future responsibility filings required by ORS 806.200 or 806.230 or by any other law of this state are subject to all of the following
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(1) Except as provided in subsection (3) of this section, the person required to make the filing must file with the Department of Transportation, or have filed with the department for the benefit of the person, proof of compliance that meets the requirements of this section and m…
ORS 806.245 Termination of future responsibility filing requirement; reasons. A termination of the requirement to maintain a future responsibility filing does not remove a person’s responsibility to comply with financial responsibility requirements. The Department of Transportation shall terminate requirements for a future responsibility filing when any of the following occurs
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(1) The person on whose behalf the filing was made dies. (2) More than one year has passed from the date the filing was required under ORS 806.200 or 806.230 or more than three years have passed from the date the filing was required. (3) A person on whose behalf the filing was ma…
ORS 806.250 [1983 c.338 §860; 1985 c.16 §432; 1985 c.714 §9; 1987 c.158 §167; 1987 c.258 §5; repealed by 2009 c.257 §11]
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[Repealed or reserved.]
ORS 806.255 [1987 c.258 §7; repealed by 2009 c.257 §11]
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[Repealed or reserved.]
ORS 806.260 [1983 c.338 §861; repealed by 2003 c.175 §1]
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[Repealed or reserved.]
ORS 806.270 Certificate of insurance; requirements; presumption of completeness. (1) A certificate of insurance that is used to comply with future responsibility filing requirements under ORS 806.240 is subject to all of the following
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(a) Except as provided by ORS 806.280, the certificate must be issued by an insurance carrier doing business in this state. (b) The certificate must show that the person required to make the future responsibility filing is covered by insurance that provides minimum coverage neces…
ORS 806.280 When certificate of insurer not authorized to do business in this state may be used. The Department of Transportation may not accept a certificate of insurance for purposes of future responsibility filings from an insurer that is not authorized to do business in Oregon unless the insurer is an eligible surplus lines insurer as defined in ORS 735.405 or a risk retention group as defined in ORS 735.305. [1983 c.338 §863; 2003 c.175 §9; 2009 c.257 §9]
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[Repealed or reserved.]
ORS 806.290 Automatic termination of insurance under future responsibility filing upon subsequent filing. An insurance policy for which a certificate of insurance is filed to comply with future responsibility requirements is terminated with respect to any operator or vehicle designated in the certificate if the operator or vehicle is also covered by an insurance policy subsequently procured and certified to the Department of Transportation. The date of termination under this section is the date the subsequent certificate is filed with the department. [1983 c.338 §864]
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[Repealed or reserved.]
ORS 806.300 Failure to surrender license and registration on cancellation of future responsibility filing; penalty. (1) A person commits the offense of failure to surrender license and registration on cancellation of future responsibility filing if the person does not immediately return the person’s license or driver permit and registration to the Department of Transportation when any of the following occur
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(a) A policy of insurance required under ORS 806.240 is canceled or terminated. (b) The person neglects to furnish other proof of compliance for a future responsibility filing upon request of the department. (2) If any person fails to return to the department the license, driver …