Oregon Revised Statutes

Or. Rev. Stat. § 731.122 (2026)

“Policy.”

✓ current as of May 2026

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731.122 “Policy.” “Policy” means the written contract or written agreement for or effecting insurance, by whatever name called, and includes all clauses, riders, indorsements and papers which are a part thereof and annuities. [1967 c.359 §25]

Notes of Decisions

Cited in 9 cases (2 in the last 5 years), 1985–2022 · leading case: Allianz Global Risks v. ACE Prop. & Cas. Ins. Co., 483 P.3d 1124 (Or. 2021).

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Allianz Global Risks v. ACE Prop. & Cas. Ins. Co., 483 P.3d 1124 (Or. 2021). · cites it 3× “” ORS 731.122 (emphases added). This court’s cases are consistent with those statutes.”

Pierce v. Allstate Ins., 848 P.2d 1197 (Or. 1993). · cites it 4× “" "Policy" is defined, however, in ORS 731.122: *1200 "`Policy' means the written contract or written agreement for or effecting insurance, by whatever name called, and includes all clauses, riders, indorsements and papers which are a part thereof and annuities.”

Haynes v. Tri-Cnty. Metro. Transp., 103 P.3d 101 (Or. 2004). · cites it 2× “” ORS 731.122. It also defines “insurance” as “a contract whereby one undertakes to indemnify another or pay or allow a specified or ascertainable amount or benefit upon determinable risk contingencies.”

Ashby v. Farmers Grp., Inc., 261 F. Supp. 2d 1213 (D. Or. 2003). · cites it 2× “” Or.Rev.Stat. § 731.122. “Insurance” is defined as “a contract whereby one undertakes to indemnify another or pay or allow a specified or ascertainable amount or benefit upon determinable risk contingencies.”

Avemco Ins. v. Hill, 708 P.2d 640 (Or. Ct. App. 1985). · cites it 2× “The definition of “policy” in ORS 731.122, however, is applicable “[ejxcept where the context otherwise requires * * ORS 731.”

Stuart v. Pittman, 255 P.3d 482 (Or. 2011). “061 does not apply to oral binders of insurance, because the statute uses the term “policy of insurance” and ORS 731.122 defines “policy’ as: “[T]he written contract or written agreement for or effecting insurance, by whatever name called, and includes all clauses, riders,…”

Haynes v. Tri-Cnty. Metro. Transp. Dist., 103 P.3d 101 (Or. 2004). · cites it 2× “" ORS 731.122. It also defines "insurance" as *106 "a contract whereby one undertakes to indemnify another or pay or allow a specified or ascertainable amount or benefit upon determinable risk contingencies.”

Haynes v. Tri-Cnty. Metro. Transp., 79 P.3d 353 (Or. Ct. App. 2003). “]” ORS 731.122. Notwithstanding the definition’s flexible approach to nomenclature, self-insurance cannot reasonably be deemed to involve the execution of a “written contract or written agreement” between the self-insurer *561 and an insured person.”

Valdez v. Nationwide Ins. Co. of Am. (D. Or. 2022). “§ 731.122 (emphasis added). Put differently, the Insurance Code does not require an insurance policy to be explicitly labeled as a “policy” to be considered one; rather, it simply needs to be a written contract or agreement for effectuating insurance that contains all clauses…”

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