Oregon Car Accident Laws Most Drivers Don’t Know (But Insurance Companies Do)

April 8, 2026

Oregon Car Accident Laws Most Drivers Don’t Know

(But Insurance Companies Do)

Auto Insurance companies are filled with smart people who need to evaluate risk and extrapolate that risk over a long time and a large geographic area.  If they get it wrong, then their company may fail, so they have every incentive to get it right.  While their risk may seem like it is based on understanding damage done, there is another layer that is not just damage done, but how will the law of that jurisdiction value and evaluate that damage in terms of dollars lost for that particular car crash. 


For example, according to money.com in 2020 there are substantial differences in auto insurance cost to the consumer that vary from state to state


In 2024 the Nevada Division of Insurance cited rising cost of litigation as a major cost driver for insurance companies. As a result, to keep their businesses profitable, insurance companies are typically experts in how the laws of a particular state impact the value of a case. It is valuable, if you need to deal with a car crash, that you know a few of the major legal differences in Oregon Law.   

This statute is a tool that allows you to settle a small (under $10,000) injury claim quickly in Oregon by placing the risk of an attorney fee award against the at-fault driver on the at-fault driver if they fail to provide a written offer for settlement quickly and the case must be litigated and you recover more than the last-best pre-filing offer.  I know it sounds confusing, but it is pretty simple: (1) You have to send a demand letter to the at-fault driver and their insurance carrier if known, (2) You have to provide “a copy of medical records and bills for medical treatment adequate to reasonably inform the person receiving the written demand of the nature and scope of the injury claimed.” (3) You have to wait out the 30 day time period for a response, (4) You cannot demand more than $10,000, (5) Then evaluate the last best offer if it is below $10,000 and if you think you can do better in a lawsuit then just file a lawsuit, if you win you get not just the amount of damages but also your attorney fees in bringing the lawsuit.  It is important to note that this should be used when there is no risk of a counterclaim being brought against you because it the other side is successful in their counterclaim then you may owe them for their attorney fees.   

This statute provides that if you don’t have your own car insurance you may not be able to recover your noneconomic damages.  Remember that in Oregon we have economic damages which are verifiable monetary losses from a tort so like medical bills and property damage and we also have noneconomic damages which are losses that cannot really be reduced into dollars.  Pain and suffering are what people think about typically when they think about noneconomic damages.  Generally, the rule will not apply if (1) The at-fault driver was driving uninsured, (2) The at-fault driver was driving drunk, (3) The at-fault driver was driving recklessly in violation of ORS 811.140, (4) The tortious conduct was an intentional tort, (5) The at-fault driver was engaged in conduct that would constitute a felony at the time of the tortious behavior, (6) If you were driving uninsured but the policy lapsed less than 180 days ago and you don’t have a conviction for driving uninsured in violation of ORS 806.010 in the 1 year period immediately preceding the date on which the policy lapsed.  The best takeaway from this is make sure you have auto insurance if you are driving, but if the policy lapsed recently, it is worth getting into the details of the timeline to see if this carve-out even applies to you.   

(3) Fazzolari Trio

This is Oregon’s approach to negligence law.  It focuses on the foreseeable risk of harm caused by a person’s conduct and was stated best by the Oregon State bar when they said: 

Screenshot of text titled “The Omega Approach,” with a paragraph highlighted in blue.

So, in general, to evaluate negligence in Oregon you have to sort of zoom out from your own perspective and adopt the perspective of a hypothetical reasonable person.  From that person’s perspective, was the risk of harm foreseeable?  If so, assuming it caused damages, then the conduct is likely tortious and negligent.  Interestingly, this evaluation is always done with the benefit of hindsight.  But even so, in theory it decreases the likelihood that a person will engage in a course of conduct that causes a risk of harm to others.

I hope this has been helpful. If after reading it you feel like you need more information, feel free to call us at (541-HUNKING) and we will be happy to help if we can and if not, try and get you to someone who can help you.

By Hunking Law, LLC August 19, 2026
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A police officer writing on a pad standing next to a car with the window rolled down.
By josh August 4, 2026
Bottom-Line-Up-Front: We gather factual information about the accident to build legal claims and protect legal rights. The Long Answer: Welcome back. To recap, we are discussing the theoretical scenario where my little sister Katherine was hit by a drunk driver in Salem, Oregon and I am walking my way through what I would do to help her navigate the legal aspects of this issue. We left off with identifying any and all potentially liable Dram Shop litigants and ensure that they are served with a Dram Shop notice in order to preserve any claims. 6. Let the Dust Settle and Gather What We Can The next thing I would expect to happen at this point is a little bit of dust settling. I will have the chance to really dive quite a bit more deeply into the facts of the case and the damages to Katherine. In doing this I would have a long conversation with Katherine about her physical condition and her memory of what happened. Simultaneously I would send an investigator to grab and footage we were able to identify that may have captured the crash. Notably, it is difficult to get this information as a civil attorney without a subpoena; but it is pretty early in the process to file a case so that we have the subpoena power. Thus, it is useful to allow the police to do their jobs in building out the criminal case. If we can identify a source of footage of the crash the police have the authority to seize that evidence or get a warrant for the seizure of that evidence because typically the criminal case moves faster than any civil case. 7. Leverage the Criminal Process The criminal process is not instantaneous, even though it is relatively quick. If the police did not hold the drunk driver in custody, but instead gave the person a citation with a court date that would likely be 30 days after the crash, depending on the court system the person was cited into. That first court date is simply an arraignment and while there is some opportunity to speak it is unlikely that prior to that arraignment actually happening that the prosecutor would be willing and able to produce criminal discovery to the drunk driver and to my office. That said, initial disclosure of discovery in criminal cases typically happens within days of the arraignment and many prosecutors offices complete this electronically which saves a little bit of time. The first set of discovery though likely will only include BAC (blood alcohol concentration) information (and other documents from the implied consent process) and police reports from the primary officers. Sometimes this includes dash cam or body cam footage; but regularly that information comes in a second tranche of information months or weeks down the road. Nevertheless, the police reports are a good source of information regarding other witnesses we may not have captured as well as a narrative from the drunk driver’s perspective about what happened. Further, it will almost certainly have additional information regarding what happened with the drunk driver after Katherine left the scene. I would scrutinize the narrative and cross reference it with knowledge of the area as well as google maps to be as comprehensive as possible in identifying potentially liable Dram Shop litigants. Most civil personal injury attorneys do not touch the criminal side of the case at all, and they miss out on all this information. At Hunking Law, our attorneys are knowledgeable about every component of a DUI case, including the criminal side and are able to leverage this knowledge to the benefit of our clients. 8. Treat Injuries to Reach Maximum Medical Improvement While this is going on Katherine is likely also treating for her injuries. This is an interesting time in a civil case because honestly the best thing to do in this time period is typically to allow the medical professionals to do their job and allow Katherine to heal from any injuries. This is true because in evaluating compensatory damages (economic and non-economic damages as defined in ORS 31.705 ) we are trying to put the person back to where they would have been if the crash had never happened. If the person is in the process of healing it is premature to determine what is required to get them back to where they were pre-crash. For example, if someone has a lingering shoulder issue post-crash it is possible that it heals in 3 months; or it may heal in 6 months; or it may require a surgery to heal; or potentially it never heals fully at all and the person simply has a lingering permanent injury in their shoulder. The goal is for the person to reach Maximum Medical Improvement, a point at which they are fully healed or have recovered as much as possible and are not expected to improve further. Until the dust fully settles on healing or getting to Maximum Medical Improvement you simply do not know the full scope of compensatory damages in a case. This doesn’t mean that nothing is happening though. We can still pull medical records. We will almost certainly get Explanations of Benefits (“EOB”) which are sent by the PIP (personal injury protection) carrier regarding what they paid, how much they paid and how much was denied. As those records come in (we get dozens of them every day in the mail for various clients) we sort and organize them into the file which helps us get to a comprehensive view of the case though ultimately EOBs are almost always insufficient on their own to give us a good idea of the scope of injuries. Until Next Time With that, it looks like I am going to need to get to at least a part 3 because as it sits we have just gathered and begun analyzing information. More to come! Need an Attorney? If you or someone you know was in a crash in Oregon caused by a driver who was under the influence of intoxicants or otherwise negligent, call 541-HUNKING (541-486-5464) or fill out our contact form to schedule a free consultation with one of our attorneys. We are here to help.
Three cars pulled off a road, a white car is crashed into a tree, the others are black and silver.
July 28, 2026
Bottom-Line-Up-Front: We gather factual information about the accident to build legal claims and protect legal rights. The Long Answer: Many times, as an attorney I am asked “Is it legal?” and the difficulty with answering that question is that because there is so much missing essential information, I am unable to answer beyond “It depends”. So the real answer to this question is it depends on what step in the process the person reaches out to a personal injury attorney. Stated another way, what I actually do changes depending on what has already been done and what remains to be done. Thus, in order to get the right information out there, I am going to use a hypothetical scenario where my little sister “Katherine” calls me as soon as a DUII crash happens. To set the scene; just after 5 pm on a Friday I get a call from Katherine who tells me that she was just rear-ended by a drunk driver near Salem, Oregon. 1. Safety First First, I would make sure she is physically ok and in a safe place. Just because something bad has happened doesn’t mean it cannot get worse and ensuring physical safety (like getting out of the road; stopping any bleeding) is secure is the priority. Next, I would want to know if the police have been called. If not I would call emergency dispatch (911) and let them know that there is an injury crash at the location provided by Katherine and that the driver of the other vehicle appears drunk. I would do that via a 3-way call so that both me and Katherine could talk with dispatch. Notably, I would be aware that because 911 calls are recorded in Oregon, that whatever we said to the 911 operator would likely be evidence in a future court hearing. 2. Document the Crash Next, once I was sure that physical safety was secure and that police were on the way I would advise Katherine to start taking pictures or video if she was physically able. I would be looking for pictures of the scene, the vehicles, as well as any physical injuries. Next, I would begin the process of capturing as much contact information as I could. Certainly, we would need the information of the drunk driver, but additionally we would be looking for the contact information of any other witness to the crash or its aftermath including passengers in Katherine’s vehicle or other people standing or driving by. Further, we would want to be sure to get the name, badge number and agency of any police officer on scene as well as any paramedics or other ambulance or fire personnel. Additionally, I would want the contact information and company name of the tow truck driver of any vehicle that was towed from the scene. Further, I would make note of any potential video cameras that may have captured the event to include: (1) personal dash camera, (2) built in cameras like Tesla has, (3) surveillance footage from local residents or local businesses (I have had decent luck over the years getting surveillance footage from OLCC (Oregon Liquor and Cannabis Commission) licensed outlets). I would not necessarily go and get that footage before getting Katherine and others on the scene necessary medical care; but I would be keenly focused on what potential camera footage is available so that it can be tracked down quickly. For example, if we know that there is a bar nearby that might have a camera pointed at the location of the incident then I can go and get the information in a few hours (or possibly the next day); but getting necessary medical care needs to happen much faster than that. Next, I would want Katherine to get to the ER (by ambulance if it is necessary, but if not by ambulance at least get there somehow if it is medically warranted). 3. File Claims Once all of these things are done I would begin to take a breath and start to be more focused on deliberate processing and less focused on reacting to the situation that thrust itself upon Katherine. That requires beginning to make contact with all the relevant parties. For example, we would need to open a claim with first party auto insurance (Katherine’s auto insurance carrier). Then we would need to open a claim with third party auto insurance (the at fault driver’s insurance carrier) as well as any other insurance carrier we are made aware of. 4. Leverage the Criminal Case Next, assuming a criminal case is filed, we would need to get copies of any citations that were issued and in particular we would want to know the date and time of the first court appearance and to make contact with the prosecuting attorney. We would send a discovery request under ORS 135.857 so that we could get from the prosecuting attorney all information made available to the drunk driver via the criminal discovery process. I would then work with Katherine to determine if she wanted to make a statement at arraignment (the first court appearance for the at fault driver in the criminal case) and if so, if she wanted to deliver that herself or if she wanted me or the prosecuting attorney to deliver that statement. 5. Look for Potential Dram Shop Parties Very quickly in this time period, I would be looking for all potentially liable Dram Shop parties. So, I would be looking for any bar that might have served the drunk driver while they were visibly intoxicated. Under ORS 471.565 we would need to at least get notice of the claim out to potentially liable OLCC outlets such that they have the chance to gather and preserve any evidence they may have about what happened inside the OLCC outlet prior to the person driving away and crashing. More to Come! Because this blog is on the long end I will call this part one and continue this in the future in what will likely become a few more parts. Continue to Part 2! Need an Attorney? If you or someone you know was in a crash in Oregon caused by an intoxicated or otherwise negligent driver, call 541-HUNKING to schedule a free consultation with one of our attorneys. We are here to help.
June 16, 2026
Bottom-Line-Up-Front: Because if we don’t care about our community, no one else will. The Long Answer: 1. Does Community Involvement Matter at all? Stated another way, this questions whether or not what we do has any impact at all on our communities. I think the answer to this question is clear that obviously we do. Sometimes it feels like we try hard to make the community better, and larger forces seem to make the community worse despite our efforts. But I am always reminded of Margaret Mead’s quote: “Never doubt that a small group of thoughtful, committed, citizens can change the world. Indeed, it is the only thing that ever has.” 2. How do we know that the involvement we intend to engage with will be a net positive to our community? Stated another way: “I know I am out here doing stuff (like giving $20 to a panhandler); but how do I know that the impact of what I do will actually be good (like the panhandler will not immediately use the $20 to buy beer, get drunk and punch someone)?” I struggle with this question daily and I think the struggle is the best we can do. We do not know the future and “The Good Place” TV show made a very compelling case because our modern society is so complicated and interconnected, there is no way for us to even know the true consequences of a choice. So, the best answer I have been able to come up with at this point in my life is to try and define what good is and to the best of my ability to evaluate every opportunity for community involvement to determine whether it is or is not good. I don’t have (and probably cannot get to) certainty in this realm because of the limits that we have as humans in modern society to determine the full consequences of our actions, especially when they only manifest themselves in the future. 3. If community involvement does matter, and we have identified a way to determine that our actions have a positive effect on our community, why should we care enough to actually do it? This is where I begin to really love this question and to truly enjoy the fact that I have the opportunity to work at Hunking Law. Modern business includes a healthy appreciation for “goodwill” that a brand has generated within the community. This is because people will buy products from companies they like before they will buy equal products from companies they do not like. Thus, I am blessed to be in a position where I get to spend time helping my community, and it also happens to be a justifiable use of business time. Additionally, because attorneys resolve conflict on behalf of humans, I spend a lot of time engaged with human conflict. As a result, it is a very welcome reprieve to go and repack diapers with the United Way of Lane County or help Corvallis Housing First as opposed to engaging with human conflict. Thus, I can additionally justify spending Hunking Law time on community involvement by the impacts it has on my employees (and selfishly, myself). Further still, my firm is filled with very competent people who would likely be very good at any task no matter what we decided to focus our attention on. I often say that we would be very good medical debt collectors if that is what we chose to do with the firm. But because we recognize that we can pick whatever mission we want (so long as it works within the bounds of capitalism) we get to choose how we spend our time and we chose the mission: “To export the greatest amount of justice, goodness and fairness as we can into the world.” Because I am blessed to work with good people who would choose to spend their time working on that mission, we get the pleasure of being able to spend our time helping people resolve car crash cases against insurance companies. I get to help an individual person each day deal with what is potentially the worst experience of their lives. And on top of that I get to go out into the community and make it better and safer and hopefully to make the future a little brighter. As a result, not only does community involvement matter, but I get the privilege of being able to spend my time and money on community involvement to try and make the Willamette Valley the best community it can possibly be. What is Hunking Law doing right now to support our community? Now through June 26th, we are collecting grooming and dental care essentials at our Corvallis office in preparation for Vina’s Back to School later this summer to ensure Benton County students have what they need to be confident and comfortable in the classroom. See this video if you’d like to learn more about how you can help!
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