Oregon Revised Statutes

Or. Rev. Stat. § 806.080 (2026)

Insurance

✓ current as of May 2026

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806.080 Insurance. (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:

(a) It must be a policy or part of a policy designating, by explicit description or by appropriate reference, all motor vehicles for which coverage is provided by the policy.

(b) It must insure the named insured and all other persons insured under the terms of the policy against loss from the liabilities imposed by law for damages arising out of the ownership, operation, use or maintenance of those motor vehicles by persons insured under the policy. The policy must include in its coverage all persons who, with the consent of the named insured, use the motor vehicles insured under the policy, except for any person specifically excluded from coverage under ORS 742.450.

(2) The requirements for the insurance may be fulfilled by the policies of one or more insurance carriers which policies together meet such requirements. [1983 c.338 §844; 1991 c.768 §8]

806.090 [1983 c.338 §845; 1999 c.59 §238; repealed by 2003 c.175 §1]

806.100 [1983 c.338 §846; 1985 c.16 §428; repealed by 2003 c.175 §1]

806.110 [1983 c.338 §847; repealed by 1995 c.41 §9]

806.115 [1995 c.41 §2; repealed by 2003 c.175 §1]

806.120 [1983 c.338 §848; 1985 c.16 §429; repealed by 1995 c.41 §9]

(Self-Insurance)

Notes of Decisions

Cited in 41 cases (2 in the last 5 years), 1986–2025 · 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 12× “270 may also grant any lawful coverage in excess of or in addition to the required coverage, and such excess or additional coverage shall not be subject to the provisions of * * * [ORS] 742.450 to 742.464. With respect to a policy which grants such excess or additional coverage…”

Collins v. Farmers Ins., 822 P.2d 1146 (Or. 1991). · cites it 18× “450 (and ORS 806.080)? Or is the exclusion to be disregarded totally? ORS 742.”

Harlan v. Valley Ins., 875 P.2d 471 (Or. Ct. App. 1994). · cites it 36× “" ORS 806.080 required that every insurance policy meet the following requirements: "(1) It must be a policy or part of a policy designating, by explicit description or by appropriate reference, all motor vehicles for which coverage is provided by the policy and insuring the…”

Thompson v. Est. of Adrian L. Pannell, 29 P.3d 1184 (Or. Ct. App. 2001). · cites it 12× “"(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…”

Farmers Ins. v. Snappy Car Rental, Inc., 876 P.2d 833 (Or. Ct. App. 1994). · cites it 16× “010 makes it unlawful for any person to operate a motor vehicle in this state on any highway or premises open to the public unless the operator is insured by a motor vehicle liability insurance policy that meets the requirements of ORS 806.080, or unless the owner of the car or…”

Viking Ins. v. Petersen, 784 P.2d 437 (Or. 1989). · cites it 5× ““(3) The certificate must show that the person required to make the future responsibility filing is either: “(a) Insured by a policy meeting the requirements under ORS 806.080 that also covers all other persons who, with the consent of the insured, use the vehicles owned by the…”

Dowell v. Oregon Mut. Ins. Co., 388 P.3d 1050 (Or. 2017). · cites it 2× “ORS 806.080. Therefore, drivers who pay premiums for that insur- ance are members of the insurance-buying public.”

Jones v. Shelter Mut. Ins. Companies, 738 N.W.2d 840 (Neb. 2007). · cites it 2× “47, § 7-600 (West 2007); Or. Rev. Stat. § 806.080 (2005); 75 Pa. Cons.”

Laird v. Allstate Ins., 221 P.3d 780 (Or. Ct. App. 2009). · cites it 5× “We observed in that case, however, that ORS 806.080 does not mandate universal coverage.”

Bergmann v. Hutton, 101 P.3d 353 (Or. 2004). · cites it 2× “070"); ORS 806.080(1)(c) (requiring motor vehicle insurance policies to provide "minimum limits of coverage required under ORS 806.”

United Servs. Auto. Assn. v. Reilly, 858 P.2d 457 (Or. Ct. App. 1993). · cites it 8× “070, 6 and ORS 806.080. See Viking Ins. Co. v. Perroti, supra, 308 Or at 631 ; Viking Ins.”

Lawson v. Hoke, 119 P.3d 210 (Or. 2005). · cites it 2× “010 provides, in part: "(1) A person commits the offense of driving uninsured if the person operates a motor vehicle in this state on any highway or premises open to the public in this state without either: "(a) The person being insured while driving the vehicle under a motor…”

Show all 41 citing cases →

— Or. Rev. Stat. § 806.080(1) — 15 cases

Viking Ins. v. Petersen, 784 P.2d 437 (Or. 1989). ““(3) The certificate must show that the person required to make the future responsibility filing is either: “(a) Insured by a policy meeting the requirements under ORS 806.080 that also covers all other persons who, with the consent of the insured, use the vehicles owned by the…”

Collins v. Farmers Ins., 822 P.2d 1146 (Or. 1991). “450 (and ORS 806.080)? Or is the exclusion to be disregarded totally? ORS 742.”

Harlan v. Valley Ins., 875 P.2d 471 (Or. Ct. App. 1994). “" ORS 806.080 required that every insurance policy meet the following requirements: "(1) It must be a policy or part of a policy designating, by explicit description or by appropriate reference, all motor vehicles for which coverage is provided by the policy and insuring the…”

State Farm Fire & Cas. Co. v. Jones, 759 P.2d 271 (Or. 1988).

Mathews v. Federated Serv. Ins., 857 P.2d 852 (Or. Ct. App. 1993).

— Or. Rev. Stat. § 806.080(1)(b) — 3 cases

Laird v. Allstate Ins., 221 P.3d 780 (Or. Ct. App. 2009). “We observed in that case, however, that ORS 806.080 does not mandate universal coverage.”

Farmers Ins. v. Snappy Car Rental, Inc., 876 P.2d 833 (Or. Ct. App. 1994). “010 makes it unlawful for any person to operate a motor vehicle in this state on any highway or premises open to the public unless the operator is insured by a motor vehicle liability insurance policy that meets the requirements of ORS 806.080, or unless the owner of the car or…”

Teply v. Ballard, 922 P.2d 1236 (Or. Ct. App. 1996).

— Or. Rev. Stat. § 806.080(1)(c) — 1 case

Bergmann v. Hutton, 101 P.3d 353 (Or. 2004). “070"); ORS 806.080(1)(c) (requiring motor vehicle insurance policies to provide "minimum limits of coverage required under ORS 806.”

— Or. Rev. Stat. § 806.080(2) — 5 cases

Safeco Ins. Co. of Am. v. Am. Hardware Mut. Ins., 9 P.3d 749 (Or. Ct. App. 2000).

Van Vonno v. Hertz Corp., 841 P.2d 1244 (Wash. 1992).

Safeco Ins. v. Am. Hardware Mut. Ins., 9 P.3d 749 (Or. Ct. App. 2000).

Progressive Specialty Ins. v. Carter, 868 P.2d 32 (Or. Ct. App. 1994).

— Or. Rev. Stat. § 806.080(l)(b) — 7 cases

Sheptow v. Geico Gen. Ins., 265 P.3d 4 (Or. Ct. App. 2011).

Laird v. Allstate Ins., 221 P.3d 780 (Or. Ct. App. 2009). “We observed in that case, however, that ORS 806.080 does not mandate universal coverage.”

MacMillan v. John Deere Ins., 15 P.3d 995 (Or. Ct. App. 2000).

Teply v. Ballard, 922 P.2d 1236 (Or. Ct. App. 1996).

— Or. Rev. Stat. § 806.080(l)(c) — 1 case

Bergmann v. Hutton, 101 P.3d 353 (Or. 2004). “070"); ORS 806.080(1)(c) (requiring motor vehicle insurance policies to provide "minimum limits of coverage required under ORS 806.”

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