Oregon Revised Statutes

Or. Rev. Stat. § 806.270 (2026)

Certificate of insurance; requirements; presumption of completeness

✓ current as of May 2026
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      806.270 Certificate of insurance; requirements; presumption of completeness. (1) A certificate of insurance that is used to comply with future responsibility filing requirements under ORS 806.240 is subject to all of the following:

      (a) Except as provided by ORS 806.280, the certificate must be issued by an insurance carrier doing business in this state.

      (b) The certificate must show that the person required to make the future responsibility filing is covered by insurance that provides minimum coverage necessary for payment of the schedule of payments under ORS 806.070.

      (c) 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 person making the filing; or

      (B) Insured against loss arising from liabilities imposed by law for damages arising out of the ownership, operation, use or maintenance of motor vehicles not owned by the person required to make the filing.

      (d) The certificate must:

      (A) Include the effective date of the certification;

      (B) Contain the policy number; and

      (C) Describe all vehicles covered by the policy unless the policy is issued with respect to all vehicles operated by the insured.

      (e) The certificate must provide that the insurers will give the Department of Transportation notice of any cancellation of the policy within 10 days after the effective date of the cancellation or termination. The notice requirement under this paragraph does not apply where the insurance is terminated under ORS 806.290.

      (2) The certificate or certificates must cover all vehicles that are registered in the name of or operated by the person, except vehicles that are in storage and for which the current registration plates and cards have been surrendered to the department.

      (3) Unless the department has reason to believe otherwise, the department may presume that the certificate covers all vehicles described in subsection (2) of this section.

      (4) The requirements under this section may be fulfilled by the policies of one or more insurance carriers. [1983 c.338 §862; 1985 c.16 §433; 1993 c.751 §31; 1999 c.59 §239; 2003 c.174 §1; 2009 c.257 §8]

Notes of Decisions
Cited in 10 cases, 1989–2019 · leading case: Harlan v. Valley Ins., 875 P.2d 471 (Or. Ct. App. 1994).
Harlan v. Valley Ins., 875 P.2d 471 (Or. Ct. App. 1994). · cites it 18× “Defendant also relies heavily on ORS 806.270, which refers specifically to coverage of persons who drive with the insured's consent, and on cases involving permissive users.”
Farmers Ins. Co. of Oregon v. Mowry, 261 P.3d 1 (Or. 2011). · cites it 2× “080, and ORS 806.270. Id. at 342 , 822 P.2d 1146 .”
Collins v. Farmers Ins., 822 P.2d 1146 (Or. 1991). · cites it 4× “080; or "(b) The coverage described in ORS 806.270. "(3) The agreement or indorsement [sic] 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…”
Viking Ins. v. Petersen, 784 P.2d 437 (Or. 1989). · cites it 4× “) ORS 806.270 provides in pertinent part: “A certificate of insurance that is used to comply with future responsibility filing requirements under ORS 806.”
Viking Ins. v. Perotti, 784 P.2d 1081 (Or. 1989). · cites it 5× “080 and ORS 806.270 * * *.” See former ORS 486.541(1).”
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× “080 ; or "(b) The coverage described in ORS 806.270." The FRL, ORS 806.010 to 806.”
United Servs. Auto. Assn. v. Reilly, 858 P.2d 457 (Or. Ct. App. 1993). · cites it 3× “080; or “(b) The coverage described in ORS 806.270.” ORS 806.270(3) requires that the policy provide coverage either for all persons who use the designated vehicle or vehicles with the consent of the insured or for the insured while he or she is operating a non-owned motor…”
Dixie Ins. v. Quesenberry, 795 P.2d 1107 (Or. Ct. App. 1990). · cites it 5× “ORS 806.270(3) (a) and (b) provide: “(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.”
Safeco Ins. Co. of Am. v. Am. Hardware Mut. Ins., 9 P.3d 749 (Or. Ct. App. 2000). “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…”
Safeco Ins. v. Am. Hardware Mut. Ins., 9 P.3d 749 (Or. Ct. App. 2000). “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…”
— Or. Rev. Stat. § 806.270(3) — 3 cases
Viking Ins. v. Petersen, 784 P.2d 437 (Or. 1989). “) ORS 806.270 provides in pertinent part: “A certificate of insurance that is used to comply with future responsibility filing requirements under ORS 806.”
United Servs. Auto. Assn. v. Reilly, 858 P.2d 457 (Or. Ct. App. 1993). “080; or “(b) The coverage described in ORS 806.270.” ORS 806.270(3) requires that the policy provide coverage either for all persons who use the designated vehicle or vehicles with the consent of the insured or for the insured while he or she is operating a non-owned motor…”
Dixie Ins. v. Quesenberry, 795 P.2d 1107 (Or. Ct. App. 1990). “ORS 806.270(3) (a) and (b) provide: “(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.”
— Or. Rev. Stat. § 806.270(3)(a) — 4 cases
Harlan v. Valley Ins., 875 P.2d 471 (Or. Ct. App. 1994). “Defendant also relies heavily on ORS 806.270, which refers specifically to coverage of persons who drive with the insured's consent, and on cases involving permissive users.”
Viking Ins. v. Perotti, 784 P.2d 1081 (Or. 1989). “080 and ORS 806.270 * * *.” See former ORS 486.541(1).”
Viking Ins. v. Petersen, 784 P.2d 437 (Or. 1989). “) ORS 806.270 provides in pertinent part: “A certificate of insurance that is used to comply with future responsibility filing requirements under ORS 806.”
Dixie Ins. v. Quesenberry, 795 P.2d 1107 (Or. Ct. App. 1990). “ORS 806.270(3) (a) and (b) provide: “(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.”
— Or. Rev. Stat. § 806.270(3)(b) — 1 case
Dixie Ins. v. Quesenberry, 795 P.2d 1107 (Or. Ct. App. 1990). “ORS 806.270(3) (a) and (b) provide: “(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.”
— Or. Rev. Stat. § 806.270(4) — 1 case
Dixie Ins. v. Quesenberry, 795 P.2d 1107 (Or. Ct. App. 1990). “ORS 806.270(3) (a) and (b) provide: “(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.”
— Or. Rev. Stat. § 806.270(4)(c) — 2 cases
Viking Ins. v. Perotti, 784 P.2d 1081 (Or. 1989). “080 and ORS 806.270 * * *.” See former ORS 486.541(1).”
Dixie Ins. v. Quesenberry, 795 P.2d 1107 (Or. Ct. App. 1990). “ORS 806.270(3) (a) and (b) provide: “(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.”
— Or. Rev. Stat. § 806.270(6) — 1 case
Viking Ins. v. Perotti, 784 P.2d 1081 (Or. 1989). “080 and ORS 806.270 * * *.” See former ORS 486.541(1).”
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