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Oregon Revised Statutes

Or. Rev. Stat. § 742.003 (2026)

Filing and approval of policy forms; rules

✓ current as of May 2026
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      742.003 Filing and approval of policy forms; rules. (1) Except where otherwise provided by law, no basic policy form, or application form where written application is required and is to be made a part of the policy, or rider, indorsement or renewal certificate form shall be delivered or issued for delivery in this state until the form has been filed with and approved by the Director of the Department of Consumer and Business Services. This section does not apply to:

      (a) Forms of unique character which are designed for and used with respect to insurance upon a particular risk or subject;

      (b) Forms issued at the request of a particular life or health insurance policy owner or certificate holder and which relate to the manner of distribution of benefits or to the reservation of rights and benefits thereunder;

      (c) Forms of group life or health insurance policies, or both, that have been agreed upon as a result of negotiations between the policyholder and the insurer; or

      (d) Forms complying with specific requirements regarding delivery or issuance for delivery in this state established by the director by rule.

      (2) Except as provided in ORS 743.019, the director shall within 30 days after the filing of any such form approve or disapprove the form. The director shall give written notice of such action to the insurer proposing to deliver such form and when a form is disapproved the notice shall show wherein such form does not comply with the law.

      (3) The 30-day period referred to in subsection (2) of this section may be extended by the director for an additional period not to exceed 30 days if the director gives written notice within the first 30-day period to the insurer proposing to deliver the form that the director needs such additional time for the consideration of such form.

      (4) The director may at any time request an insurer to furnish the director a copy of any form exempted under subsection (1) of this section. [Formerly 736.300 and then 743.006; 2001 c.943 §7; 2015 c.88 §4]

Notes of Decisions
Cited in 7 cases (4 in the last 5 years), 1989–2025 · leading case: Baylor v. Cont'l Cas. Co., 78 P.3d 108 (Or. Ct. App. 2003).
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Baylor v. Cont'l Cas. Co., 78 P.3d 108 (Or. Ct. App. 2003). · cites it 2× “006(1) (1985), renumbered as ORS 742.003(1) (1989). After the issuance of the binder, and before the plaintiff received a copy of the policy, the plaintiffs plane crashed in Alaska.”
Bellshaw v. Farmers Ins. Co., 373 Or. 307 (Or. 2025). “According to the summary judgment record, Farmers submitted its notice form, using the same language that it had provided to plaintiff and used since 1994. DCBS approved that notice in 2016.”
Viking Ins. v. Perotti, 784 P.2d 1081 (Or. 1989). “003(1), provided: “Except where otherwise provided by law, no basic policy form, or application form where written application is required and is to be made a part of the policy, or rider, indorsement or renewal certificate form shall he delivered or issued for delivery in this…”
Fleming v. United Servs. Auto. Ass'n, 996 P.2d 501 (Or. 2000). “See ORS 742.003 (requiring approval of insurance forms by Director of Department of Consumer and Business Services).”
Progressive Universal Ins. Co. v. Voyles, 563 P.3d 371 (Or. Ct. App. 2025). “502(2)(b) (refer- ring to “department”); see also ORS 742.003(1) (forms to be approved by the Director of DCBS).”
Progressive Universal Ins. Co. v. Voyles, 337 Or. App. 381 (Or. Ct. App. 2025). “502(2)(b) (refer- ring to “department”); see also ORS 742.003(1) (forms to be approved by the Director of DCBS).”
Bellshaw v. Farmers Ins. Co., 373 Or. 307 (Or. 2025). “According to the summary judgment record, Farmers submitted its notice form, using the same language that it had provided to plaintiff and used since 1994. DCBS approved that notice in 2016.”
— Or. Rev. Stat. § 742.003(1) — 4 cases
Baylor v. Cont'l Cas. Co., 78 P.3d 108 (Or. Ct. App. 2003). “006(1) (1985), renumbered as ORS 742.003(1) (1989). After the issuance of the binder, and before the plaintiff received a copy of the policy, the plaintiffs plane crashed in Alaska.”
Viking Ins. v. Perotti, 784 P.2d 1081 (Or. 1989). “003(1), provided: “Except where otherwise provided by law, no basic policy form, or application form where written application is required and is to be made a part of the policy, or rider, indorsement or renewal certificate form shall he delivered or issued for delivery in this…”
Progressive Universal Ins. Co. v. Voyles, 563 P.3d 371 (Or. Ct. App. 2025). “502(2)(b) (refer- ring to “department”); see also ORS 742.003(1) (forms to be approved by the Director of DCBS).”
Progressive Universal Ins. Co. v. Voyles, 337 Or. App. 381 (Or. Ct. App. 2025). “502(2)(b) (refer- ring to “department”); see also ORS 742.003(1) (forms to be approved by the Director of DCBS).”
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