What is a car accident claim worth in Oregon?
Every rule below is quoted from Oregon law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Oregon, and the Oregon rules that raise or lower what you collect. $22,875 was the average injury claim paid in Oregon in 2022.
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Nothing you pick is sent anywhere or saved. The answer appears on this page.
Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Oregon law on this site, each with a link.
What claims paid in Oregon
Injury claims in Oregon averaged $22,875 each in 2022.
Car and property damage claims averaged $6,466.
| Injury claim paid by the at fault driver's insurance | $22,875 |
|---|---|
| Car and property damage | $6,466 |
| Personal injury protection, paid by your own policy | $7,527 |
| Medical payments coverage, paid by your own policy | $8,830 |
| Collision coverage, paid by your own policy | $6,700 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Oregon
If you were partly at fault
Oregon uses modified comparative negligence with a 51 percent bar. You can recover money as long as your share of fault is not greater than the combined fault of everyone you are suing. Your award is reduced by your own percentage of fault.
“Contributory negligence shall not bar recovery in an action by any person or the legal representative of the person to recover damages for death or injury to person or property if the fault attributable to the claimant was not greater than the combined fault of all persons specified in subsection (2) of this section, but any damages allowed shall be diminished in the proportion to the percentage of fault attributable to the claimant.”
The other driver's policy limit is the ceiling
Oregon drivers must carry at least $25,000 in liability coverage for one injured person, $50,000 total per accident if more than one person is hurt, and $20,000 for property damage.
“$25,000 because of bodily injury to or death of one person in any one accident; Subject to that limit for one person, $50,000 because of bodily injury to or death of two or more persons in any one accident; and $20,000 because of injury to or destruction of the property of others in any one accident.”
If the other driver has no insurance
Oregon requires every auto liability policy to include uninsured and underinsured motorist coverage automatically, at least equal to your liability limits. Unlike some states, Oregon does not let you skip this coverage entirely.
“Every motor vehicle liability policy that insures against a loss that a natural person suffers and that results from liability imposed by law for bodily injury or death that arises out of owning, maintaining or using a motor vehicle shall provide in the policy or by indorsement on the policy uninsured motorist coverage”
The deadline that ends the claim
You have 2 years to sue over injuries from a car crash in Oregon.
“An action for assault, battery, false imprisonment, or for any injury to the person or rights of another, not arising on contract...shall be commenced within two years.”
What a lawyer takes if you hire one
Oregon does not require a lawyer to put an ordinary injury case contingency fee agreement in writing under its ethics rules, but a lawyer can never charge a clearly excessive fee, and the rules specifically ban contingent fees in criminal defense cases and in divorce or child support cases.
“A lawyer shall not enter into an arrangement for, charge or collect: (1) any fee in a domestic relations matter, the payment or amount of which is contingent upon the securing of a divorce or upon the amount of spousal or child support or a property settlement; (2) a contingent fee for representing a defendant in a criminal case”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.