The 2007 Oregon Legislature has passed a number of bills relating to property/casualty insurance, including several dealing with motor vehicle liability insurance.
SB 225 provides that when an injured person sues to recover damages arising from an auto accident, the injured person’s auto insurer will pay its share of legal costs for recovery of personal injury protection benefits from the insurer of the person at fault.
SB 256 provides for arbitration proceedings for resolving disputes about uninsured motorist coverage and personal injury protection benefits between the insurer and a person making a claim under the policy, when the parties agree to arbitration. For uninsured motorist disputes, the parties must submit the dispute to a panel of three arbitrators unless the parties agree otherwise. PIP disputes must also be conducted under local court rules.
SB 523 was designed to improve the notice required to be given to consumers regarding their rights under motor vehicle liability insurance policies when a consumer takes a car to an auto body shop for repair of accident damage. The bill also requires equal treatment of claims, regardless of whether the consumer takes the car to a recommended auto body shop. Current law has prohibited an insurer from requiring the use of a particular shop, but prior to this legislation did not require the insurer or its adjuster to notify the insured of the prohibition and did not require comparable payments.
HB 2385 requires self-insurers (e.g., rental car companies and car dealerships) to provide motor vehicle liability insurance coverage for their customers or other permitted users to meet the minimum financial responsibility requirements under the Motor Vehicle Code ($25,000 for bodily injury per person, $50,000 for bodily injury per accident, $10,000 for property damage per accident, and uninsured motorist coverage). Prior to this change, self-insurers had to meet minimum financial responsibility requirements under the Motor Vehicle Code, but they were not required to provide the same coverage for their customers or other permitted users.
Other bills affecting P/C insurance include:
For details on all the bills, visit www.cbs.state.or.us/external/ins/legislature/2007_legislature/2007 -ins_legislation-main.html