HB 3636
Requires insurers to offer personal injury protection benefits to persons insured under the insurer's motor vehicle liability policy, but makes the decision to elect to receive personal injury protection benefits optional.
Jurisdiction
Oregon
Session
2025 Regular Session
Committee
Commerce and Consumer Protection
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Sign in to take action- Introduced
- Passed House
- Passed Senate
- To Governor
- Became Law
Bill overview
This bill requires all car insurance companies operating in Oregon to offer personal injury protection (PIP) benefits to their customers, but allows individuals to opt-out of receiving these benefits. The bill updates existing Oregon law to ensure PIP coverage is standard, while maintaining the driver’s choice to decline it. It also clarifies coverage for transportation network companies and taxi companies, and establishes procedures for arbitration in disputes over PIP benefits.
Key provisions
- Insurance companies must offer PIP benefits to all insured drivers.
- Drivers can choose to opt-out of receiving PIP benefits.
- The bill expands PIP coverage to include members of the insured’s household, children residing in the same household, and passengers/pedestrians.
- Transportation network companies and taxi companies are required to offer PIP benefits to their drivers.
- The bill clarifies that PIP benefits must cover expenses, lost income, and essential services.
- It establishes a process for arbitration to resolve disputes between insurers and beneficiaries.
- The bill modifies existing provisions related to state-owned vehicles and insurance requirements.
- It defines key terms such as ‘personal vehicle sharing’ and ‘personal vehicle sharing program’.
Who is affected
- Motor vehicle insurance companies
- Drivers of motor vehicles
- Passengers in motor vehicles
- Pedestrians
- Consumers of auto insurance
Sponsors
Official sponsors from legislative records.
Primary sponsors
Cosponsors
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