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Oregon Revised Statutes

Or. Rev. Stat. § 806.060 (2026)

Methods of compliance

✓ current as of May 2026
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      806.060 Methods of compliance. A person who is required to comply with the financial responsibility requirements of this state must be able to respond in damages, in amounts required under this section, for liability on account of accidents arising out of the ownership, operation, maintenance or use of motor vehicles and must establish that ability by one of the methods required by this section. All of the following apply to the financial responsibility requirements of this state:

      (1) To meet the financial responsibility requirements, a person must be able to respond in damages in amounts not less than those established under the payment schedule under ORS 806.070.

      (2) A person may only comply with the financial responsibility requirements of this state by establishing the required ability to respond in damages in one of the following ways:

      (a) Obtaining a motor vehicle liability policy meeting the requirements under ORS 806.080 that will provide at least minimum limits necessary to pay amounts established under the payment schedule under ORS 806.070.

      (b) Becoming self-insured as provided under ORS 806.130. [1983 c.338 §842; 1985 c.16 §426; 1995 c.41 §5; 2003 c.175 §5]

Notes of Decisions
Cited in 30 cases (1 in the last 5 years), 1988–2021 · 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 4× “In Collins , this court held that an exclusion in a motor vehicle liability insurance policy that purported to eliminate all coverage for a claim by one insured against another insured under the same policy was unenforceable to the extent that it failed to provide the minimum…”
North Pac. Ins. v. Hamilton, 22 P.3d 739 (Or. 2001). · cites it 4× “) *24 North Pacific has contended from the outset that the foregoing wording clearly and unambiguously limits coverage to injured insureds (and their family members) to the minimum liability coverage required for compliance with the Oregon financial responsibility law, ORS…”
Strawn v. Farmers Ins. Co. of Oregon, 258 P.3d 1199 (Or. 2011). · cites it 4× “[17] The financial responsibility laws basically require those who may be liable for damages arising out of the use of a motor vehicle to be able to pay damages up to certain specified amounts, either through insurance or by establishing their ability to pay through certain…”
Collins v. Farmers Ins., 822 P.2d 1146 (Or. 1991). · cites it 6× “080 provides in part: "(1) A motor vehicle liability insurance policy used to comply with financial responsibility requirements under ORS 806.060 must meet all of the following requirements: "* * * * * "(c) It must provide the minimum limits of coverage required under ORS 806.”
Haynes v. Tri-Cnty. Metro. Transp., 103 P.3d 101 (Or. 2004). · cites it 3× “We do not suggest, however, that other motor vehicle self-insurers under ORS 806.060 would be less liable under ORS 742.”
Farmers Ins. v. Snappy Car Rental, Inc., 876 P.2d 833 (Or. Ct. App. 1994). · cites it 6× “That statute provides: "A motor vehicle liability insurance policy used to comply with financial responsibility requirements under ORS 806.060 *835 must meet all of the following requirements: "* * * * * "(b) It must insure the named insured and all other persons insured under…”
Thompson v. Est. of Adrian L. Pannell, 29 P.3d 1184 (Or. Ct. App. 2001). · cites it 4× “It provides, in part: "(1) To meet the financial responsibility requirements, a person must be able to respond in damages in amounts not less than those established under the payment schedule under ORS 806.”
Mathews v. Federated Serv. Ins., 857 P.2d 852 (Or. Ct. App. 1993). · cites it 3× “1 Plaintiff contends that, even if there is a lease, the “LEASED AUTO” exclusion in the insurance policy is invalid, because that exclusion violates Oregon’s Financial Responsibility Law.”
Jordan v. Motor Vehs. Div., 781 P.2d 1203 (Or. 1989). · cites it 2× “050) and insurance interests (ORS 806.060(2) (a)) arising out of the use of a motor vehicle; for licensing agency operations; and for public safety aspects of governmental activity.”
Pierce v. Allstate Ins., 848 P.2d 1197 (Or. 1993). · cites it 2× “NOTES [1] ORS 806.060(1) provides: "A person who is required to comply with the financial responsibility requirements of this state must be able to respond in damages, in amounts required under this section, for liability on account of accidents arising out of the ownership,…”
Viking Ins. v. Petersen, 784 P.2d 437 (Or. 1989). · cites it 2× “080(1) provides: “A motor vehicle liability insurance policy used to comply *620 with financial responsibility requirements under ORS 806.060 must meet all of the following requirements: “(1) It must be a policy or part of a policy designating, by explicit description or by…”
Batten v. State Farm Mut. Auto. Ins. Co., 495 P.3d 1222 (Or. 2021). “280 (describing Oregon’s “[f]inancial responsibility requirements” as meaning “the ability to respond in dam- ages for liability, on account of accidents arising out of the ownership, operation, maintenance or use of a motor vehi- cle” up to the minimum amounts required by ORS…”
Show all 30 citing cases →
— Or. Rev. Stat. § 806.060(1) — 6 cases
Pierce v. Allstate Ins., 848 P.2d 1197 (Or. 1993). “NOTES [1] ORS 806.060(1) provides: "A person who is required to comply with the financial responsibility requirements of this state must be able to respond in damages, in amounts required under this section, for liability on account of accidents arising out of the ownership,…”
Haynes v. Tri-Cnty. Metro. Transp., 103 P.3d 101 (Or. 2004). “We do not suggest, however, that other motor vehicle self-insurers under ORS 806.060 would be less liable under ORS 742.”
United Servs. Auto. Assn. v. Reilly, 858 P.2d 457 (Or. Ct. App. 1993).
Haynes v. Tri-Cnty. Metro. Transp. Dist., 103 P.3d 101 (Or. 2004).
Wilson v. Tri-Cnty. Metro. Transp. Dist., 161 P.3d 933 (Or. 2007).
— Or. Rev. Stat. § 806.060(2) — 2 cases
Jordan v. Motor Vehs. Div., 781 P.2d 1203 (Or. 1989). “050) and insurance interests (ORS 806.060(2) (a)) arising out of the use of a motor vehicle; for licensing agency operations; and for public safety aspects of governmental activity.”
Viking Ins. v. Petersen, 784 P.2d 437 (Or. 1989). “080(1) provides: “A motor vehicle liability insurance policy used to comply *620 with financial responsibility requirements under ORS 806.060 must meet all of the following requirements: “(1) It must be a policy or part of a policy designating, by explicit description or by…”
— Or. Rev. Stat. § 806.060(2)(a) — 5 cases
North Pac. Ins. v. Hamilton, 22 P.3d 739 (Or. 2001). “) *24 North Pacific has contended from the outset that the foregoing wording clearly and unambiguously limits coverage to injured insureds (and their family members) to the minimum liability coverage required for compliance with the Oregon financial responsibility law, ORS…”
Strawn v. Farmers Ins. Co. of Oregon, 258 P.3d 1199 (Or. 2011). “[17] The financial responsibility laws basically require those who may be liable for damages arising out of the use of a motor vehicle to be able to pay damages up to certain specified amounts, either through insurance or by establishing their ability to pay through certain…”
Jordan v. Motor Vehs. Div., 781 P.2d 1203 (Or. 1989). “050) and insurance interests (ORS 806.060(2) (a)) arising out of the use of a motor vehicle; for licensing agency operations; and for public safety aspects of governmental activity.”
Van Vonno v. Hertz Corp., 841 P.2d 1244 (Wash. 1992).
Teply v. Ballard, 922 P.2d 1236 (Or. Ct. App. 1996).
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