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Oregon Revised Statutes

Or. Rev. Stat. § 731.142 (2026)

“Stock,” “mutual” and “reciprocal” insurer

✓ current as of May 2026
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      731.142 “Stock,” “mutual” and “reciprocal” insurer. (1) “Stock insurer” means an incorporated insurer whose capital is divided into shares and owned by its stockholders.

      (2) “Mutual insurer” means an incorporated insurer without capital stock and the governing body of which is elected by its policyholders. This definition does not exclude as a “mutual insurer” a foreign insurer found by the Director of the Department of Consumer and Business Services to be organized on the mutual plan under the laws of its domicile, but having temporary share capital or providing for election of the insurer’s governing body on a reasonable basis by policyholders and others.

      (3) “Reciprocal insurer” means an unincorporated aggregation of persons known as “subscribers,” operating individually and collectively through an attorney in fact common to all such persons, interexchanging among themselves reciprocal agreements of indemnity. [1967 c.359 §29]

Notes of Decisions
Cited in 3 cases, 2003–2006 · leading case: Ashby v. Farmers Grp., Inc., 261 F. Supp. 2d 1213 (D. Or. 2003).
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Ashby v. Farmers Grp., Inc., 261 F. Supp. 2d 1213 (D. Or. 2003). · cites it 2× “” Or.Rev. Stat. § 731.142(3). In addition, an AIF has rights and authority as granted by subscribers in the power of attorney.”
Pebb v. Ohsu, 132 P.3d 1061 (Or. Ct. App. 2006). · cites it 2× “" ORS 731.142(1). [9] ORS 731.162 defines "health insurance" as "insurance of humans against bodily injury, disablement or death by accident or accidental means * * *.”
State ex rel. Pub. Employees' Benefit Bd. v. Oregon Health & Sci. Univ., 132 P.3d 1061 (Or. Ct. App. 2006). · cites it 2× “” ORS 731.142(1). ORS 731.162 defines “health insurance” as “insurance of humans against bodily injury, disablement or death by accident or accidental means * * *.”
— Or. Rev. Stat. § 731.142(1) — 2 cases
Pebb v. Ohsu, 132 P.3d 1061 (Or. Ct. App. 2006). “" ORS 731.142(1). [9] ORS 731.162 defines "health insurance" as "insurance of humans against bodily injury, disablement or death by accident or accidental means * * *.”
State ex rel. Pub. Employees' Benefit Bd. v. Oregon Health & Sci. Univ., 132 P.3d 1061 (Or. Ct. App. 2006). “” ORS 731.142(1). ORS 731.162 defines “health insurance” as “insurance of humans against bodily injury, disablement or death by accident or accidental means * * *.”
— Or. Rev. Stat. § 731.142(2) — 2 cases
Pebb v. Ohsu, 132 P.3d 1061 (Or. Ct. App. 2006). “" ORS 731.142(1). [9] ORS 731.162 defines "health insurance" as "insurance of humans against bodily injury, disablement or death by accident or accidental means * * *.”
State ex rel. Pub. Employees' Benefit Bd. v. Oregon Health & Sci. Univ., 132 P.3d 1061 (Or. Ct. App. 2006). “” ORS 731.142(1). ORS 731.162 defines “health insurance” as “insurance of humans against bodily injury, disablement or death by accident or accidental means * * *.”
— Or. Rev. Stat. § 731.142(3) — 1 case
Ashby v. Farmers Grp., Inc., 261 F. Supp. 2d 1213 (D. Or. 2003). “” Or.Rev. Stat. § 731.142(3). In addition, an AIF has rights and authority as granted by subscribers in the power of attorney.”
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