Oregon: Insurance and collision reports Practice Test
The insurance Oregon requires, minimum coverage amounts, and when you must report a collision to DMV.
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Questions are original and based on the official manual "Oregon Driver Manual" (2026-2027), Oregon Driver and Motor Vehicle Services (DMV).
All 14 questions in this practice test
Take the test above first, then use this list to study. Tap “Show answer” to see the correct answer and explanation.
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Which drivers does Oregon law require to insure their vehicles by at least the minimum amounts?
- Only drivers under 18
- Only drivers with a CDL
- Only drivers with a past collision
- Every driver
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Correct answer: Every driver
Oregon law requires every driver to insure their vehicles by at least the minimum amounts.
Source: Oregon Driver Manual (2026-2027), page 93 · Open this page in the manual (Manual page 93)
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What is the minimum bodily injury insurance amount per collision for one person?
- $10,000
- $15,000
- $20,000
- $25,000
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Correct answer: $25,000
The required minimum is $25,000 per collision for one person.
Source: Oregon Driver Manual (2026-2027), page 93 · Open this page in the manual (Manual page 93)
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What is the minimum bodily injury insurance amount per collision for bodily injury to or death of two or more persons?
- $25,000
- $50,000
- $20,000
- $100,000
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Correct answer: $50,000
The required minimum is $50,000 per collision for two or more persons.
Source: Oregon Driver Manual (2026-2027), page 93 · Open this page in the manual (Manual page 93)
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What is the minimum insurance amount per collision for damage to the property of others?
- $15,000
- $25,000
- $20,000
- $50,000
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Correct answer: $20,000
The required minimum is $20,000 per collision for damage to the property of others.
Source: Oregon Driver Manual (2026-2027), page 93 · Open this page in the manual (Manual page 93)
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What is the minimum Personal Injury Protection (PIP) insurance amount per person?
- $15,000
- $10,000
- $20,000
- $50,000
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Correct answer: $15,000
Personal Injury Protection must be at least $15,000 per person.
Source: Oregon Driver Manual (2026-2027), page 93 · Open this page in the manual (Manual page 93)
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Personal Injury Protection pays reasonable and necessary expenses within how long after the date of the person's injury?
- Two years
- Six months
- One year
- Five years
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Correct answer: Two years
The expenses are covered within two years after the date of the person's injury.
Source: Oregon Driver Manual (2026-2027), page 93 · Open this page in the manual (Manual page 93)
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Which expenses may Personal Injury Protection cover?
- Repairs to your own vehicle and nothing else after a collision
- Repairs to the property of other people damaged in a collision
- Medical, dental, and other services needed due to injury or death
- Fines and court costs for traffic violations after a collision
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Correct answer: Medical, dental, and other services needed due to injury or death
PIP expenses may be for medical, dental, and other services needed due to injury or death from the use, occupancy, or maintenance of the vehicle.
Source: Oregon Driver Manual (2026-2027), page 93 · Open this page in the manual (Manual page 93)
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What is the minimum Uninsured Motorist Coverage amount per person?
- $10,000
- $25,000
- $15,000
- $20,000
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Correct answer: $25,000
Uninsured Motorist Coverage must be at least $25,000 per person and $50,000 per collision for bodily injury.
Source: Oregon Driver Manual (2026-2027), page 93 · Open this page in the manual (Manual page 93)
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Which information must you give the other driver, passengers, or any injured pedestrian after a collision?
- Name, address, driver license number, plate number, and insurance information
- Your name, address, birth date, employer, and Social Security Number
- Your name, address, and the make, model and color of your vehicle only
- Your name, phone number, and the registration of your vehicle only
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Correct answer: Name, address, driver license number, plate number, and insurance information
You must provide your name, address, driver license number, license plate number of your vehicle, and your insurance information.
Source: Oregon Driver Manual (2026-2027), page 94 · Open this page in the manual (Manual page 94)
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Within how many hours must you file a collision report with DMV when one is required?
- 24 hours
- 72 hours
- 48 hours
- 7 days
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Correct answer: 72 hours
A required collision report (Form 735-32) must be filed within 72 hours.
Source: Oregon Driver Manual (2026-2027), page 94 · Open this page in the manual (Manual page 94)
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You must file a collision report if damage to the vehicle you were driving is over what amount?
- $500
- $1,000
- $5,000
- $2,500
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Correct answer: $2,500
A collision report is required if damage to the vehicle you were driving is over $2,500.
Source: Oregon Driver Manual (2026-2027), page 94 · Open this page in the manual (Manual page 94)
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Which collision requires you to file a collision report with DMV?
- One with $1,000 damage to your vehicle and no injuries
- One in which you are never at fault
- One in which no vehicle is towed
- One with injury or death resulting from the collision
Show answer
Correct answer: One with injury or death resulting from the collision
A report is required if there is injury or death resulting from the collision.
Source: Oregon Driver Manual (2026-2027), page 94 · Open this page in the manual (Manual page 94)
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You own a vehicle involved in a reportable collision and the driver fails to report it. What must you do?
- Nothing, because only the driver must report
- File the collision report yourself
- Wait for DMV to contact you
- Ask the other driver to report it
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Correct answer: File the collision report yourself
You must file a report if you are the owner of a vehicle involved in a reportable collision and the driver fails to report it.
Source: Oregon Driver Manual (2026-2027), page 94 · Open this page in the manual (Manual page 94)
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Does a police report replace your requirement to file a collision report with DMV?
- Yes, if police arrived at the scene
- Yes, if the damage is over $2,500
- No, it does not
- Yes, if no one was injured
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Correct answer: No, it does not
A police report does not replace your requirement to file a report with DMV.
Source: Oregon Driver Manual (2026-2027), page 94 · Open this page in the manual (Manual page 94)