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Oregon Revised Statutes

Or. Rev. Stat. § 731.016 (2026)

Construction of Insurance Code

✓ current as of May 2026
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      731.016 Construction of Insurance Code. The Insurance Code shall be liberally construed and 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. [1967 c.359 §4]

 

      731.020 [Repealed by 1965 c.241 §3]

 

APPLICATION OF INSURANCE CODE

Notes of Decisions
Cited in 13 cases, 1982–2017 · 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 26× “008 and ORS 731.016, serve as the starting point for construing the phrase “expenses of medical * * * services.”
Carrigan v. State Farm Mut. Auto. Ins., 949 P.2d 705 (Or. 1997). · cites it 2× “" ORS 731.016 provides that "[t]he Insurance Code shall be liberally construed " to further that purpose.”
Pierce v. Allstate Ins., 848 P.2d 1197 (Or. 1993). · cites it 2× “008 (purpose of Insurance Code is protection of insurance-buying public); ORS 731.016 (insurance code shall be liberally construed).”
Hamilton v. Paynter, 149 P.3d 131 (Or. 2006). “, ORS 731.016 (“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.”
De Zafra v. Farmers Ins., 346 P.3d 652 (Or. Ct. App. 2015). · cites it 2× “And, ORS 731.016 advises that “[t]he Insurance Code shall be liberally construed” to further that purpose.”
Kiem to v. State Farm Mut. Ins., 860 P.2d 294 (Or. Ct. App. 1993). “ORS 731.016; ORS 731.008; Porter v. Utah Home Fire Insurance Co.”
Hansen v. W. Home Ins., 747 P.2d 1007 (Or. Ct. App. 1987). “It states that the commissioner may institute an action; it does not state that a private party may not. Moreover, the legislature enacted the code to protect the insurance buying public, ORS 731.”
Porter v. Utah Home Fire Ins., 650 P.2d 130 (Or. Ct. App. 1982). “ORS 731.016. Plaintiffs decedent is entitled to the insurance protection that he may reasonably expect for the premiums paid.”
Takata v. State Farm Mut. Auto. Ins. Co., 176 P.3d 415 (Or. Ct. App. 2008). “' ORS 731.016 provides that `[t]he Insurance Code shall be liberally construed' to further that purpose.”
Traders & Gen. Ins. v. Freeman, 81 F. Supp. 2d 1070 (D. Or. 2000). “008, ORS 731.016. Fire insurance policies in Oregon are governed by ORS 742.”
Dowell v. Oregon Mut. Ins. Co. (Or. 2017). · cites it 13× “008 and ORS 731.016, serve as the starting point for construing the phrase “expenses of medical * * * services.”
Blanchard ex rel. Blanchard v. Kaiser Found. Health Plan, 844 P.2d 248 (Or. Ct. App. 1992). “008; ORS 731.016. The majority’s construction of ORS 743.”
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