Bill > HB3636

This bill modifies Oregon's law regarding personal injury protection (PIP) benefits in motor vehicle insurance policies, primarily changing how these benefits are offered and elected. The bill requires insurers to make available PIP benefits for various individuals, including the insured, family members in the household, passengers, and pedestrians struck by the insured vehicle. Importantly, the bill gives insured individuals the option to elect or refuse these benefits, allowing them to opt out orally or in writing without submitting a formal form. Insurers must prominently note the insured's election on the policy's declarations page, and this notation serves as the final, binding decision for the insured and all other potential beneficiaries. The bill also maintains existing provisions about the types of PIP benefits, which include medical expenses (up to $15,000), loss of income (70% of income, max $3,000 per month for 52 weeks), essential services compensation, funeral expenses (up to $5,000), and child care costs during hospitalization. The changes will become operative on January 1, 2027, providing insurers and consumers time to adjust to the new requirements. The bill aims to provide more flexibility for consumers while maintaining comprehensive protection in motor vehicle insurance policies.

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https://olis.oregonlegislature.gov/liz/2025R1/Measures/Overview/HB3636