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Oregon Revised Statutes

Or. Rev. Stat. § 742.450 (2026)

Contents of motor vehicle liability policy; permitted exclusions; rules

✓ current as of May 2026
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      742.450 Contents of motor vehicle liability policy; permitted exclusions; rules. (1) Every motor vehicle liability insurance policy issued for delivery in this state shall state the name and address of the named insured, the coverage afforded by the policy, the premium charged therefor, the policy period and the limits of liability.

      (2) Every motor vehicle liability insurance policy issued for delivery in this state shall contain an agreement or indorsement stating that, as respects bodily injury and death or property damage, or both, the insurance provides either:

      (a) The coverage described in ORS 806.070 and 806.080; or

      (b) The coverage described in ORS 806.270.

      (3) The agreement or indorsement required by subsection (2) of this section shall also state that the insurance provided is subject to all the provisions of the Oregon Vehicle Code relating to financial responsibility requirements as defined in ORS 801.280 or future responsibility filings as defined in ORS 801.290, as appropriate.

      (4) Every motor vehicle liability insurance policy issued for delivery in this state shall provide liability coverage to at least the limits specified in ORS 806.070.

      (5) Every motor vehicle liability insurance policy issued for delivery in this state shall provide liability coverage, up to the limits of coverage under the policy for a vehicle owned by the named insured, for the operation by the named insured of a motor vehicle provided to the named insured, without regard to whether the named insured is charged for the use of the motor vehicle, if:

      (a) The motor vehicle is provided to the named insured by a person engaged in the business of repairing or servicing motor vehicles; and

      (b) The motor vehicle is provided to the named insured as a temporary replacement vehicle while the named insured’s vehicle is being repaired or serviced.

      (6) A motor vehicle liability insurance policy issued for delivery in this state may exclude by name from coverage required by subsection (2)(a) of this section any person other than the named insured, for any of the reasons stated in subsection (7) of this section. When an insurer excludes a person as provided by this subsection, the insurer shall obtain a statement or indorsement, signed by each of the named insureds, that the policy will not provide any coverage required by subsection (2)(a) of this section when the motor vehicle is driven by any named excluded person.

      (7) A person may be excluded from coverage under a motor vehicle liability insurance policy as provided in subsection (6) of this section:

      (a) Because of the driving record of the person. The Director of the Department of Consumer and Business Services by rule may establish restrictions on the use of the driving record in addition to other restrictions established by law.

      (b) Because of any reason or set of criteria established by the director by rule.

      (8) Every motor vehicle liability insurance policy issued for delivery in this state shall contain a provision that provides liability coverage for each family member of the insured residing in the same household as the insured in an amount equal to the amount of liability coverage purchased by the insured. [Formerly 486.541 and then 743.776; 1991 c.768 §3; 1999 c.438 §2; 2007 c.782 §1]

Notes of Decisions
Cited in 32 cases (3 in the last 5 years), 1989–2025 · leading case: Farmers Ins. Co. of Oregon v. Mowry, 261 P.3d 1 (Or. 2011).
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Farmers Ins. Co. of Oregon v. Mowry, 261 P.3d 1 (Or. 2011). · cites it 55× “464 provides: "Any policy which grants the coverage required for a motor vehicle liability insurance policy under ORS 742.450, 806.080 and 806.270 may also grant any lawful coverage in excess of or in addition to the required coverage, and such excess or additional coverage…”
Collins v. Farmers Ins., 822 P.2d 1146 (Or. 1991). · cites it 55× “ORS 742.450. [1] See Viking Ins. Co. v. Petersen, 308 Or.”
Bergmann v. Hutton, 101 P.3d 353 (Or. 2004). · cites it 22× “Under ORS 742.450(1), "[e]very motor vehicle liability insurance policy issued for delivery in this state shall state the name and address of the named insured, the coverage afforded by the policy, the premium charged therefor, the policy period and the limits of liability.”
Wright v. State Farm Mut. Auto. Ins., 22 P.3d 744 (Or. 2001). · cites it 26× “" At the Court of Appeals, plaintiffs pressed two assignments of error regarding the trial court's judgment in favor of State Farm on the auto policy.”
Strawn v. Farmers Ins. Co. of Oregon, 258 P.3d 1199 (Or. 2011). · cites it 2× “To register or renew a motor vehicle license in Oregon, the applicant must provide assurance of compliance with the financial responsibility laws.”
Wright v. State Farm Mut. Auto. Ins., 952 P.2d 73 (Or. Ct. App. 1998). · cites it 4× “” 2 ORS 742.450 provides, in part: “(4) Every motor vehicle liability insurance policy issued for delivery in this state shall provide liability coverage to at least the limits specified in ORS 806.”
Viking Ins. v. Petersen, 784 P.2d 437 (Or. 1989). · cites it 3× “ORS 742.450 requires that all motor vehicle liability insurance policies issued in Oregon contain insurance coverage in accordance with ORS 806.”
North Pac. Ins. v. Hamilton, 22 P.3d 739 (Or. 2001). “Thus, although the exclusion provision at issue was ineffective as to the first $25,000 of coverage, which was required under ORS 742.450 and ORS 806.070(2)(a), the court held that it was effective as to any coverage in excess of $25,000.”
Viking Ins. v. Perotti, 784 P.2d 1081 (Or. 1989). · cites it 4× “1 At all times material to this case the FRL was found in former ORS chapter 486, now renumbered ORS chapter 806 and ORS 742.450. 2 Apparently, Viking does not issue policies covering more than one owned vehicle on a single policy.”
Safeco Ins. Co. of Am. v. Am. Hardware Mut. Ins., 9 P.3d 749 (Or. Ct. App. 2000). · cites it 15× “Specifically, Safeco argues that the FRL requires that all motor vehicle liability policies cover all permissive users unless ORS 742.450 authorizes an exception and that ORS 742.”
Or. Mut. Ins. Co. v. Those Certain Underwriters At Lloyd's London Subscribing to Policy No. Oroakg2-Cne, 437 P.3d 232 (Or. Ct. App. 2019). · cites it 2× “3 Because Oregon Mutual concludes, as set out below, that the Lloyd's policy cannot be an excess policy, it also concludes that the Lloyd's policy must *794 be construed to be a primary policy as required by the FRL, and, in turn, subject to the Lamb-Weston doctrine.”
United Servs. Auto. Assn. v. Reilly, 858 P.2d 457 (Or. Ct. App. 1993). · cites it 4× “When an insurance policy is obtained to satisfy FRL, the policy must provide the coverage required by ORS 742.450, 5 ORS 806.070, 6 and ORS 806.”
Show all 32 citing cases →
— Or. Rev. Stat. § 742.450(1) — 9 cases
Farmers Ins. Co. of Oregon v. Mowry, 261 P.3d 1 (Or. 2011). “464 provides: "Any policy which grants the coverage required for a motor vehicle liability insurance policy under ORS 742.450, 806.080 and 806.270 may also grant any lawful coverage in excess of or in addition to the required coverage, and such excess or additional coverage…”
Bergmann v. Hutton, 101 P.3d 353 (Or. 2004). “Under ORS 742.450(1), "[e]very motor vehicle liability insurance policy issued for delivery in this state shall state the name and address of the named insured, the coverage afforded by the policy, the premium charged therefor, the policy period and the limits of liability.”
Wright v. State Farm Mut. Auto. Ins., 22 P.3d 744 (Or. 2001). “" At the Court of Appeals, plaintiffs pressed two assignments of error regarding the trial court's judgment in favor of State Farm on the auto policy.”
Collins v. Farmers Ins., 822 P.2d 1146 (Or. 1991). “ORS 742.450. [1] See Viking Ins. Co. v. Petersen, 308 Or.”
Strawn v. Farmers Ins. Co. of Oregon, 258 P.3d 1199 (Or. 2011). “To register or renew a motor vehicle license in Oregon, the applicant must provide assurance of compliance with the financial responsibility laws.”
— Or. Rev. Stat. § 742.450(2) — 4 cases
Farmers Ins. Co. of Oregon v. Mowry, 261 P.3d 1 (Or. 2011). “464 provides: "Any policy which grants the coverage required for a motor vehicle liability insurance policy under ORS 742.450, 806.080 and 806.270 may also grant any lawful coverage in excess of or in addition to the required coverage, and such excess or additional coverage…”
Collins v. Farmers Ins., 822 P.2d 1146 (Or. 1991). “ORS 742.450. [1] See Viking Ins. Co. v. Petersen, 308 Or.”
Or. Mut. Ins. Co. v. Those Certain Underwriters At Lloyd's London Subscribing to Policy No. Oroakg2-Cne, 437 P.3d 232 (Or. Ct. App. 2019). “3 Because Oregon Mutual concludes, as set out below, that the Lloyd's policy cannot be an excess policy, it also concludes that the Lloyd's policy must *794 be construed to be a primary policy as required by the FRL, and, in turn, subject to the Lamb-Weston doctrine.”
Progressive Ins. v. Nat'l Am. Ins., 118 P.3d 836 (Or. Ct. App. 2005).
— Or. Rev. Stat. § 742.450(2)(a) — 3 cases
Safeco Ins. Co. of Am. v. Am. Hardware Mut. Ins., 9 P.3d 749 (Or. Ct. App. 2000). “Specifically, Safeco argues that the FRL requires that all motor vehicle liability policies cover all permissive users unless ORS 742.450 authorizes an exception and that ORS 742.”
Progressive Ins. v. Nat'l Am. Ins., 118 P.3d 836 (Or. Ct. App. 2005).
Safeco Ins. v. Am. Hardware Mut. Ins., 9 P.3d 749 (Or. Ct. App. 2000).
— Or. Rev. Stat. § 742.450(4) — 3 cases
Farmers Ins. Co. of Oregon v. Mowry, 261 P.3d 1 (Or. 2011). “464 provides: "Any policy which grants the coverage required for a motor vehicle liability insurance policy under ORS 742.450, 806.080 and 806.270 may also grant any lawful coverage in excess of or in addition to the required coverage, and such excess or additional coverage…”
Bergmann v. Hutton, 101 P.3d 353 (Or. 2004). “Under ORS 742.450(1), "[e]very motor vehicle liability insurance policy issued for delivery in this state shall state the name and address of the named insured, the coverage afforded by the policy, the premium charged therefor, the policy period and the limits of liability.”
Wright v. State Farm Mut. Auto. Ins., 952 P.2d 73 (Or. Ct. App. 1998). “” 2 ORS 742.450 provides, in part: “(4) Every motor vehicle liability insurance policy issued for delivery in this state shall provide liability coverage to at least the limits specified in ORS 806.”
— Or. Rev. Stat. § 742.450(5) — 3 cases
Collins v. Farmers Ins., 822 P.2d 1146 (Or. 1991). “ORS 742.450. [1] See Viking Ins. Co. v. Petersen, 308 Or.”
Safeco Ins. Co. of Am. v. Am. Hardware Mut. Ins., 9 P.3d 749 (Or. Ct. App. 2000). “Specifically, Safeco argues that the FRL requires that all motor vehicle liability policies cover all permissive users unless ORS 742.450 authorizes an exception and that ORS 742.”
Safeco Ins. v. Am. Hardware Mut. Ins., 9 P.3d 749 (Or. Ct. App. 2000).
— Or. Rev. Stat. § 742.450(5)(a) — 1 case
Kremers v. Hagerty Ins. Agency, LLC (D. Or. 2023).
— Or. Rev. Stat. § 742.450(6) — 5 cases
Laird v. Allstate Ins., 221 P.3d 780 (Or. Ct. App. 2009).
Progressive Ins. v. Nat'l Am. Ins., 118 P.3d 836 (Or. Ct. App. 2005).
Progressive Universal Ins. Co. v. Voyles, 563 P.3d 371 (Or. Ct. App. 2025).
Progressive Universal Ins. Co. v. Voyles, 337 Or. App. 381 (Or. Ct. App. 2025).
Safeco Ins. v. Am. Hardware Mut. Ins., 9 P.3d 749 (Or. Ct. App. 2000).
— Or. Rev. Stat. § 742.450(7) — 1 case
Progressive Ins. v. Nat'l Am. Ins., 118 P.3d 836 (Or. Ct. App. 2005).
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