746.280
Designation of particular motor vehicle repair shop by insurer prohibited;
notice; limitation of costs.
(1) An insurer may not require that a particular person make the repairs to the
insured’s motor vehicle as a condition for recovery by the insured under a
motor vehicle liability insurance policy.
(2) Prior to
providing a recommendation that a particular person make repairs to the insured’s
motor vehicle, the person adjusting the claim on behalf of the insurer shall
inform the insured of the rights conferred by subsection (1) of this section by
communicating in a statement substantially similar to the following:
______________________________________________________________________________
OREGON LAW
PROHIBITS US FROM REQUIRING YOU TO GET REPAIRS TO YOUR VEHICLE AT A PARTICULAR
MOTOR VEHICLE REPAIR SHOP. YOU HAVE THE RIGHT TO SELECT THE MOTOR VEHICLE
REPAIR SHOP OF YOUR CHOICE.
______________________________________________________________________________
(3) If an insured
elects to have the motor vehicle repaired at a motor vehicle repair shop other
than a shop recommended by the insurer, the insurer may not limit the cost of
repairs necessary to return the motor vehicle to a preloss condition relative to
safety, function and appearance other than as stated in the policy or as
otherwise allowed by law.
(4) If an insured
accepts the insurer’s recommendation, the insurer shall provide, electronically
or in printed form, a statement to the insured within three business days after
the date of acceptance in substantially the following form:
______________________________________________________________________________
WE HAVE
RECOMMENDED A MOTOR VEHICLE REPAIR SHOP. IF YOU AGREE TO USE OUR RECOMMENDED
REPAIR SHOP, YOUR VEHICLE WILL RECEIVE REPAIRS RETURNING IT TO A PRELOSS
CONDITION RELATIVE TO SAFETY, FUNCTION AND APPEARANCE AT NO ADDITIONAL COST TO
YOU OTHER THAN AS STATED IN THE INSURANCE POLICY OR AS OTHERWISE ALLOWED BY
LAW.
______________________________________________________________________________
[1977 c.785 §2; 2007 c.506 §1]
Note: See note under 746.275.
Notes of Decisions
Bellshaw v. Farmers Ins. Co., 373 Or. 307 (Or. 2025).
· cites it 75× “ORS 746.280. The law also imposes notice requirements on insurers and repair shops.”
Bellshaw v. Farmers Ins. Co., 533 P.3d 40 (Or. Ct. App. 2023).
· cites it 46× “HISTORICAL BACKGROUND AND PROCEDURAL HISTORY In 1977, the Oregon Legislature enacted ORS 746.280, which provided that an insurer could “not require that a particular person make the repairs to the insured’s motor vehicle as a condition for recovery by the insured under a motor…”
Bellshaw v. Farmers Ins. Co., 373 Or. 307 (Or. 2025).
· cites it 75× “ORS 746.280. The law also imposes notice requirements on insurers and repair shops.”
Bellshaw v. Farmers Ins. Co. (Or. Ct. App. 2023).
· cites it 46× “HISTORICAL BACKGROUND AND PROCEDURAL HISTORY In 1977, the Oregon Legislature enacted ORS 746.280, which provided that an insurer could “not require that a particular person make the repairs to the insured’s motor vehicle as a condition for recovery by the insured under a motor…”
— Or. Rev. Stat. § 746.280(1) — 4 cases
Bellshaw v. Farmers Ins. Co., 533 P.3d 40 (Or. Ct. App. 2023).
“HISTORICAL BACKGROUND AND PROCEDURAL HISTORY In 1977, the Oregon Legislature enacted ORS 746.280, which provided that an insurer could “not require that a particular person make the repairs to the insured’s motor vehicle as a condition for recovery by the insured under a motor…”
Bellshaw v. Farmers Ins. Co. (Or. Ct. App. 2023).
“HISTORICAL BACKGROUND AND PROCEDURAL HISTORY In 1977, the Oregon Legislature enacted ORS 746.280, which provided that an insurer could “not require that a particular person make the repairs to the insured’s motor vehicle as a condition for recovery by the insured under a motor…”
— Or. Rev. Stat. § 746.280(2) — 4 cases
Bellshaw v. Farmers Ins. Co., 533 P.3d 40 (Or. Ct. App. 2023).
“HISTORICAL BACKGROUND AND PROCEDURAL HISTORY In 1977, the Oregon Legislature enacted ORS 746.280, which provided that an insurer could “not require that a particular person make the repairs to the insured’s motor vehicle as a condition for recovery by the insured under a motor…”
Bellshaw v. Farmers Ins. Co. (Or. Ct. App. 2023).
“HISTORICAL BACKGROUND AND PROCEDURAL HISTORY In 1977, the Oregon Legislature enacted ORS 746.280, which provided that an insurer could “not require that a particular person make the repairs to the insured’s motor vehicle as a condition for recovery by the insured under a motor…”
— Or. Rev. Stat. § 746.280(3) — 2 cases
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