UM/UIM Is an Oregon Rider's Real Backstop: How to Read Your Own Policy Before You Need It

Dave Eltringham

Published on: 20/08/2026

Oregon requires UM and UIM coverage, and for a motorcyclist with no PIP on the bike, it is the coverage that actually stands between you and an unpaid hospital bill. Here is how it works and why you should check your limits now.

Dave Eltringham

Oregon PIP Does Not Follow Your Motorcycle: The Medical-Bill Gap That Blindsides Riders

Dave Eltringham

Published on: 20/08/2026

Oregon requires Personal Injury Protection on car policies, but motorcycles are exempt. Most Portland riders have no PIP on the bike for their own medical bills after a wreck, and that gap shows up at the worst possible moment.

Dave Eltringham