Oregon Car Accident Settlement Calculator

In Oregon, motor vehicle accident recovery is available to drivers who bear half or less of the total fault. The 51% bar means that equal-fault scenarios still produce compensation, and insurance negotiations in Oregon often center on whether the claimant’s fault can be pushed past the critical 50% mark.

The statute of limitations for this type of claim in Oregon is 2 years — in line with the national average of 2.7 years. This is a standard timeframe, but acting sooner preserves evidence and strengthens your position. Importantly, Oregon recognizes a discovery rule, which can extend the filing window in cases where the harm was not immediately apparent.

Oregon’s mandatory minimum auto insurance is 25/50/20 (bodily injury per person / per accident / property damage). These are relatively low minimums. Medical costs from even a moderate car accident frequently exceed $25K, which means you may need to pursue additional recovery options if the at-fault driver carries only the minimum. Oregon requires both uninsured (UM) and underinsured (UIM) motorist coverage, adding important protection layers for accident victims.

If your car accident involved a government vehicle or occurred due to a government-maintained road defect in Oregon, you face a significantly shorter deadline. Oregon requires you to file a notice of claim within 180 days of the incident — far shorter than the standard statute of limitations. Missing this notice deadline can permanently bar your claim against the government entity, even if the regular filing deadline has not yet passed.