Under Oregon's insurance law, when must a driver insure their vehicle?

Under Oregon's insurance law, when must a driver insure their vehicle?

• A. On any highway or premises open to the public.
• B. Only when transporting passengers.
• C. Only when the vehicle is leased.
• D. Only for personal use vehicles.

Answer: (A)

Oregon requires you to have automobile liability insurance whenever you operate a vehicle on any highway or on premises that are open to the public. This rule exists to ensure that there is financial responsibility for injuries or property damage you might cause while driving on public access areas. The key point is the act of driving on public roads or public property, not whether you’re transporting passengers, leasing the vehicle, or using it for personal versus other purposes. So coverage is needed any time the vehicle is being driven on public streets or places the public can access.

Oregon requires you to have automobile liability insurance whenever you operate a vehicle on any highway or on premises that are open to the public. This rule exists to ensure that there is financial responsibility for injuries or property damage you might cause while driving on public access areas. The key point is the act of driving on public roads or public property, not whether you’re transporting passengers, leasing the vehicle, or using it for personal versus other purposes. So coverage is needed any time the vehicle is being driven on public streets or places the public can access.