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Oregon Revised Statutes

Or. Rev. Stat. § 731.008 (2026)

Purpose of Insurance Code

✓ current as of May 2026
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      731.008 Purpose of Insurance Code. The Legislative Assembly declares that the Insurance Code is for the protection of the insurance-buying public. [Formerly 736.003]

 

      731.010 [Repealed by 1965 c.241 §3]

Notes of Decisions
Cited in 24 cases (6 in the last 5 years), 1982–2025 · leading case: Dowell v. Oregon Mut. Ins. Co., 388 P.3d 1050 (Or. 2017).
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Dowell v. Oregon Mut. Ins. Co., 388 P.3d 1050 (Or. 2017). · cites it 20× “On review, plaintiff contends that two statutes, ORS 731.008 and ORS 731.016, serve as the starting point for construing the phrase “expenses of medical * * * services.”
Moody v. Oregon Cmty. Credit Union, 505 P.3d 1047 (Or. Ct. App. 2022). · cites it 2× “ORS 731.008 provides that the Insurance Code was enacted “for the protection of the insurance-buying public,” and ORS 746.”
Mountain Fir Lumber Co. v. Emp. Benefits Ins. Co., 667 P.2d 567 (Or. Ct. App. 1983). · cites it 4× “See ORS 731.008. Thus, in the light of the statutory design and the dangers of a judicially created sanction, we hold that the alleged rebate agreement is enforceable by the policyholder.”
Carrigan v. State Farm Mut. Auto. Ins., 949 P.2d 705 (Or. 1997). · cites it 2× “ORS 731.008 provides that "the Insurance Code is for the protection of the insurance-buying public.”
Pierce v. Allstate Ins., 848 P.2d 1197 (Or. 1993). · cites it 2× “See ORS 731.008 (purpose of Insurance Code is protection of insurance-buying public); ORS 731.”
Bellshaw v. Farmers Ins. Co., 373 Or. 307 (Or. 2025). · cites it 2× “In 1977, the Oregon legislature first enacted a con- sumer protection bill—an “anti-steering” law—one aimed at “protect[ing] the insurance-buying public,” see ORS 731.008, by prohibiting insurers from steering insureds to have their vehicles repaired at specific motor vehicle…”
Hamilton v. Paynter, 149 P.3d 131 (Or. 2006). “016 (“The Insurance Code * * * shall be administered and enforced by the Director of the Department of Consumer and Business Services to give effect to the policy stated in ORS 731.008.”). 4 Duncan quoted the following from the legislative history: “Insurance Commissioner…”
Raynor v. United of Omaha Life Ins. Co., 858 F.3d 1268 (9th Cir. 2017). “Or. Rev. Stat. §§ 731.008 , .016. Because this issue involves a specific matter of statutory interpretation, implicating not just questions of intent and meaning but also relative insti *1272 tutional competencies and competing values of efficiency and accountability, we “are…”
De Zafra v. Farmers Ins., 346 P.3d 652 (Or. Ct. App. 2015). · cites it 2× “The court noted that ORS 731.008 provides that “the Insurance Code is for the protection of the insurance-buying public.”
Fleming v. United Servs. Auto. Ass'n, 996 P.2d 501 (Or. 2000). · cites it 2× “ORS 731.008 also supports the conclusion that the legislature did not intend to limit the explanatory title requirements in ORS 742.”
West Am. Ins. v. Hernandez, 669 F. Supp. 2d 1211 (D. Or. 2009). · cites it 2× “Or.Rev.Stat. §§ 731.008, 731.016. The Insurance Code grants courts the authority to add statutorily mandated provisions to an insurance policy where the policy is binding on the insurer, but is not in compliance with the insurance code.”
Dowell v. Oregon Mut. Ins., 343 P.3d 283 (Or. Ct. App. 2015). “See ORS 731.008 (“The Legislative Assembly declares that the Insurance Code is for the protection of the insurance-buying public.”
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