Oregon Revised Statutes

Or. Rev. Stat. § 278.215 (2026)

Uninsured motorist coverage requirements

✓ current as of May 2026
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      278.215 Uninsured motorist coverage requirements. (1) Any insurance or self-insurance provided by moneys from the Insurance Fund for or on account of the operation of motor vehicles within the state’s or public body’s control, shall provide the uninsured motorist coverage required under ORS 742.500 to 742.504 and, except as specified in ORS 278.205, may provide the personal injury protection benefits required under ORS 742.518 to 742.542.

      (2) Any local public body, as defined in ORS 30.260, which establishes a self-insurance program under ORS 30.282 for or on account of the operation of motor vehicles within the local public body’s control, shall provide the uninsured motorist coverage required under ORS 742.500 to 742.504 and may provide the personal injury protection benefits required under ORS 742.518 to 742.542.

      (3) The uninsured motorist coverage provided under this section shall be excess over any other collateral benefits to which an injured person is entitled, including, but not limited to, other uninsured motorist coverage, insurance benefits, governmental benefits or gratuitous benefits. [1979 c.842 §4; 1981 c.490 §3; 1985 c.731 §19; 2005 c.175 §4]

      278.305 [1983 c.431 §1; 1985 c.731 §24; repealed by 1995 c.162 §94]

LIABILITY INSURANCE

Notes of Decisions
Cited in 10 cases, 2000–2016 · leading case: Thompson v. Est. of Adrian L. Pannell, 29 P.3d 1184 (Or. Ct. App. 2001).
Thompson v. Est. of Adrian L. Pannell, 29 P.3d 1184 (Or. Ct. App. 2001). · cites it 32× “Because plaintiff already has received $50,000 in those benefits from her own insurance carrier, she is not entitled to receive additional benefits from defendant.”
City of Salem v. Salisbury, 5 P.3d 1131 (Or. Ct. App. 2000). · cites it 19× “In contravention to the summary judgment motion, all defendants argued that ORS 278.215 requires the city to provide them uninsured motorist benefits to whatever extent their damages are not compensated by workers’ compensation benefits.”
Robinson v. Tri-Cnty. Metro. Transp. Dist., 370 P.3d 864 (Or. Ct. App. 2016). · cites it 4× “ORS 278.215(2). 2 Plaintiff gave proof of loss to Tri-Met for UM benefits.”
Ajir v. Buell, 348 P.3d 320 (Or. Ct. App. 2015). · cites it 9× “504 * * Thus, as written, ORS 278.215 leaves no room for a distinction between how the requirements of ORS 742.”
Haynes v. Tri-Cnty. Metro. Transp., 103 P.3d 101 (Or. 2004). “Here, for example, ORS 278.215 requires that self-insurance coverage for government vehicles must include UM coverage under ORS 742.”
Wilson v. Tri-Cnty. Metro. Transp. Dist., 161 P.3d 933 (Or. 2007). · cites it 2× “” ORS 278.215(2) requires defendant, as a self-insurer, to provide the same uninsured motorist coverage that the law requires of every motor vehicle liability insurance policy.”
Haynes v. Tri-Cnty. Metro. Transp. Dist., 103 P.3d 101 (Or. 2004). “Here, for example, ORS 278.215 requires that self-insurance coverage for government vehicles must include UM coverage under ORS 742.”
Haynes v. Tri-Cnty. Metro. Transp., 79 P.3d 353 (Or. Ct. App. 2003). “, ORS 278.215(2) (providing, in part, that local public bodies that establish a self-insurance fund under ORS 30.”
Wilson v. Tri-Cnty. Metro. Transp. Dist., 161 P.3d 933 (Or. 2007). · cites it 2× “" ORS 278.215(2) requires defendant, as a self-insurer, to provide the same uninsured motorist coverage that the law requires of every motor vehicle liability insurance policy.”
Luka v. Tri-Cnty. Metro. Transp. Dist., 261 P.3d 44 (Or. Ct. App. 2011). “See ORS 278.215(2) (obligating self-insured public bodies to provide uninsured motorist coverage under ORS 742.”
— Or. Rev. Stat. § 278.215(2) — 7 cases
Thompson v. Est. of Adrian L. Pannell, 29 P.3d 1184 (Or. Ct. App. 2001). “Because plaintiff already has received $50,000 in those benefits from her own insurance carrier, she is not entitled to receive additional benefits from defendant.”
Robinson v. Tri-Cnty. Metro. Transp. Dist., 370 P.3d 864 (Or. Ct. App. 2016). “ORS 278.215(2). 2 Plaintiff gave proof of loss to Tri-Met for UM benefits.”
Ajir v. Buell, 348 P.3d 320 (Or. Ct. App. 2015). “504 * * Thus, as written, ORS 278.215 leaves no room for a distinction between how the requirements of ORS 742.”
Wilson v. Tri-Cnty. Metro. Transp. Dist., 161 P.3d 933 (Or. 2007). “” ORS 278.215(2) requires defendant, as a self-insurer, to provide the same uninsured motorist coverage that the law requires of every motor vehicle liability insurance policy.”
Haynes v. Tri-Cnty. Metro. Transp., 79 P.3d 353 (Or. Ct. App. 2003). “, ORS 278.215(2) (providing, in part, that local public bodies that establish a self-insurance fund under ORS 30.”
— Or. Rev. Stat. § 278.215(3) — 2 cases
Robinson v. Tri-Cnty. Metro. Transp. Dist., 370 P.3d 864 (Or. Ct. App. 2016). “ORS 278.215(2). 2 Plaintiff gave proof of loss to Tri-Met for UM benefits.”
City of Salem v. Salisbury, 5 P.3d 1131 (Or. Ct. App. 2000). “In contravention to the summary judgment motion, all defendants argued that ORS 278.215 requires the city to provide them uninsured motorist benefits to whatever extent their damages are not compensated by workers’ compensation benefits.”
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