07/01/2026
It can get expensive not having full coverage.
In Oregon, having "no full coverage" means you carry the state’s mandatory minimum insurance (liability), but lack Collision and Comprehensive protections.
If you cause a wreck in Oregon and only have the state-mandated minimums. Your liability policy covers damages to the other party's car.
Because Oregon has a low property damage minimum, if you hit a newer vehicle or cause a multi-car pileup, you will be personally responsible for any costs exceeding your policy coverage.
You must cover all towing, repair, or vehicle replacement costs out of pocket.
If another driver is at fault, your lack of full coverage is less damaging because their liability policy pays for your losses.
You must file a claim with the at-fault driver's insurance to cover your repairs or vehicle value.
Because you do not have collision coverage, your insurance company will not help you handle the claim or fix your car quickly. If the other insurer drags their feet or denies liability, you must handle the dispute yourself.
Your insurance will not pay to fix your car after a hit-and-run or an uninsured wreck. You will have to pay for the repairs yourself.