What if the other driver does not have insurance?

Under Oregon law, all motorists must carry insurance and liability coverage. If the other driver has failed to carry such insurance, they are violating state law. It is for this reason that it is so important for you to not just carry your own uninsured motorist coverage, but to ensure you have high policy limits of $500,000 or more. In the event you or a loved one are seriously injured by an uninsured motorist, you will be covered by your own policy in a very meaningful way.