Contents of motor vehicle liability policy
- permitted exclusions
- rules
Source:
Section 742.450 — Contents of motor vehicle liability policy; permitted exclusions; rules, https://www.oregonlegislature.gov/bills_laws/ors/ors742.html.
See also annotations under ORS 486.541 in permanent edition.
Notes of Decisions
This section, together with ORS 806.070, does not mandate omnibus coverage to limits set forth in ORS 806.070. Shell Oil Co. v. Employers Ins. of Wausau, 69 Or App 179, 684 P2d 622 (1984)
Financial responsibility laws generally are to ensure that drivers can respond in damages for liability and especially to ensure that motor vehicle accident victims are compensated for injuries. State Farm Fire and Casualty Co. v. Jones, 306 Or 415, 759 P2d 271 (1988)
Car insurance policy violated Financial Responsibility Law where it excluded liability coverage for permissive user’s injury of insured while driving insured’s car. State Farm Fire and Casualty Co. v. Jones, 306 Or 415, 759 P2d 271 (1988)
Automobile insurance policy must cover not only named insured but also must provide coverage for all persons who operate insured vehicle with consent of insured. Viking Ins. Co. v. Petersen, 308 Or 616, 784 P2d 437 (1989)
Family exclusion provision of policy is ineffective only as to statutorily required minimum amounts; insurer may limit additional coverage by any exclusion not otherwise prohibited by law. Collins v. Farmers Ins. Co., 312 Or 337, 822 P2d 1146 (1991); Farmers Insurance Co. v. Mowry, 350 Or 686, 261 P3d 1 (2011)
“Statement” excluding person from policy coverage may be embodied as recital in insurance application form. Progressive Insurance v. National American Insurance Co., 201 Or App 301, 118 P3d 836 (2005)
This provision does not prohibit insurance policy from excluding from coverage one employee’s liability to another employee of same employer. Garrett v. New Hampshire Insurance Co., 860 F. Supp. 2d 1203 (D. Or. 2012)
Law Review Citations
44 WLR 253 (2007)
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