Oregon Uber Accident Settlement Calculator

Your injury sets the national range used for an Oregon Uber accident claim. The table separates injuries rather than giving an Oregon average.

Source: the national Uber guide linked in the first row provides these national ranges by injury, current as of November 9, 2026. The Oregon back injury guide linked at herniated disc covers Oregon back claims in full.

Oregon changes the insurance and the rules applied to that range. The driver's app status fixes which policy pays and its limit. The company's policy must include PIP for riders, the driver, and people on foot struck by the car. Uber's Oregon certificate lists uninsured and underinsured motorist coverage of $25,000 per person while waiting and $1,000,000 per accident from acceptance to drop-off.

Oregon sets no pain and suffering cap for an injured person who survives (Oregon Revised Statutes, ORS 31.710). A missing seat belt reduces an award by at most 5%, subject to the exceptions in the seat belt section. Compensation for the losses a claim covers is called damages.

Sources: Uber, Oregon certificate of insurance (policy period March 1, 2026 to March 1, 2027); ORS chapter 742; ORS chapter 31

The driver's app status at the instant of the crash identifies which insurance applies. No Oregon statute sets rideshare liability amounts for those app statuses; the statewide rideshare insurance statute requires PIP instead (ORS 742.520).

Uber's Oregon insurance certificate supplies the company policy amounts here. Portland's city code sets minimums for companies with a Portland permit, and Bend's code does the same for companies licensed in Bend. Oregon law calls a rideshare company a transportation network company.

A combined single limit is one amount for everyone hurt and all property damaged in one crash. A policy limit is the most that policy pays; a minimum is the least coverage required.

Source: Uber's Oregon certificate shows March 1, 2026 to March 1, 2027 as its policy period; the certificate summarizes coverage and gives its holder no rights, while the policy itself governs a claim. Uber links this certificate as Oregon on its driver insurance page.

What Portland and Bend require

For a company with a Portland permit, the city requires primary liability insurance while a driver waits for a match: $50,000 per person and $100,000 per incident for death and injury, plus $25,000 for property damage. During an accepted ride and a ride with the rider in the car, the city requires $1,000,000 per incident in combined liability coverage and $1,000,000 per incident in combined uninsured and underinsured coverage for death, personal injury, and property damage (Portland City Code 16.40.230).

The code calls waiting period 1, driving to an accepted pickup period 2, and carrying the rider until they get out at their destination period 3. The city also requires commercial general liability coverage of at least $1,000,000 per occurrence and $2,000,000 total. These are Portland permit requirements.

A rideshare company licensed in Bend must carry the same insurance amounts by app status that Portland requires from a permitted company (Bend City Code 7.35.040 J). Bend's waiting period covers a driver connected to the company's app or network who has not accepted a ride.

The driver's personal policy and your app record

The driver's personal insurer may exclude every kind of coverage, including PIP, for a crash during rideshare work. Claim against the company's policy for that time (ORS 742.520(1)(e)).

Find out whether the app was off, on and waiting for a request, or showing a ride accepted or rider on board when the crash happened. Your receipt and the app's trip record identify a trip. No Oregon statute requires the company or driver to disclose that app status; request it in writing.

Sources: Uber, Oregon certificate of insurance (policy period March 1, 2026 to March 1, 2027); Uber, driver insurance page (links the Oregon certificate); Oregon DMV, insurance requirements; Portland City Code 16.40.230, TNC Insurance Requirements; Bend City Code chapter 7.35, Vehicles for Hire (current through Ordinance NS-2562, September 16, 2026); ORS chapter 742

Oregon requires the rideshare company's policy to carry PIP for its driver, every rider in the car, and people on foot struck by the car while the driver transports riders for the company. PIP pays regardless of who caused the accident; the at-fault side's liability insurance pays the remaining losses, so Oregon is not a no-fault state.

The rideshare PIP requirement came from House Bill 2393, Oregon Laws 2021, chapter 222, approved June 11, 2021. The law took effect January 1, 2022 and applies to policies issued or renewed on or after that date (Oregon Laws 2021, chapter 222).

The statute covers the time a driver provides transportation services to riders, without saying whether being logged in and waiting falls within that time. Uber's Oregon certificate includes PIP in the waiting-period policy too.

For example, a rider earning $4,000 a month who meets the disability condition receives $2,800 a month: 70% of $4,000 is below the $3,000 monthly maximum. Payments last up to 52 weeks (computed under ORS 742.524).

Which policy pays first, and when it is repaid

Oregon's general order puts the PIP policy on the car you occupy first. Your household's PIP is excess, meaning it pays what the first policy does not. No Oregon appellate ruling applying this payment order to a rideshare company's policy was found (ORS 742.526(1)).

After the at-fault insurer pays your claim, the PIP insurer can seek repayment. For policies issued or renewed on or after January 1, 2020, you must receive full compensation for your injuries before that repayment. The Oregon car accident guide covers the full PIP and repayment rules (ORS 742.544; Senate Bill 421).

Sources: ORS chapter 742; Oregon Laws 2021, chapter 222 (House Bill 2393); Oregon Laws 2019, chapter 460 (Senate Bill 421); Uber, Oregon certificate of insurance (policy period March 1, 2026 to March 1, 2027)

The car's uninsured motorist coverage insures a rider when the policyholder permits the car's use. Underinsured motorist coverage addresses the loss when the driver who caused the crash has insurance that does not cover it.

Uber's Oregon certificate shows $25,000 per person and $50,000 per accident in uninsured and underinsured motorist coverage with the app on, waiting for a request. For a ride accepted or rider on board, the certificate shows $1,000,000 per accident. Portland requires that $1,000,000 coverage for periods 2 and 3 for companies with a Portland permit.

Oregon auto policies must match uninsured motorist limits to injury liability limits unless the policyholder chooses less in writing. The choice cannot go below $25,000 per person and $50,000 per crash. Oregon's uninsured motorist statutes do not require a rideshare company to carry $1,000,000 (ORS 742.502 and 742.504).

Every Oregon policy's uninsured motorist coverage must include underinsured coverage. For policies issued or renewed from January 1, 2016, the underinsured coverage pays recoverable damages beyond the at-fault driver's policy up to its own limit. Your own similar uninsured motorist coverage pays after the rideshare car's primary coverage as excess insurance (ORS 742.502(2)(a), 742.504(2)(c)(C), and 742.504(9)(a)(B); Senate Bill 411).

Sources: ORS chapter 742; Oregon Laws 2015, chapter 5 (Senate Bill 411); Uber, Oregon certificate of insurance (policy period March 1, 2026 to March 1, 2027); Portland City Code 16.40.230, TNC Insurance Requirements

No Oregon statute or Oregon appellate ruling decides whether a rideshare driver is Uber's employee for a crash claim. The federal court's early ruling in the Oregon rideshare case described later concerned a driver who canceled the app trip and drove outside it; that ruling does not settle every Uber or Lyft accident.

You can seek compensation from the driver who caused an Oregon Uber accident, or both drivers if both were at fault. For the rideshare driver's part during a trip, the company's policy is the insurance to claim against.

How Oregon divides a judgment between drivers

Each defendant owes the damages tied to that defendant's fault percentage. Oregon calls this several liability. If a share cannot be collected, a motion filed no later than one year after the judgment becomes final requires the court to divide that unpaid share among the other parties by their fault percentages. Defendants at 25% fault or less take none of the unpaid share. The same protection applies when the injured person's fault is at least as high as that defendant's (ORS 31.610).

For example, a jury awards a rider with no fault $300,000 in damages. Compare the drivers' amounts when the other driver's share cannot be collected:

Underinsured motorist coverage is the coverage for an at-fault driver whose insurance does not cover the loss. The Oregon trucking guide works through several liability with more parties.

Sources: ORS chapter 31; ORS chapter 742; Triem v. State Farm Fire and Casualty Co., D. Or., opinion and order, December 15, 2021 (CourtListener copy)

Yes, when the injury claim is against Uber itself. Uber's U.S. Terms of Use, last modified November 4, 2026, require binding individual arbitration between a rider and Uber for claims connected with the service, including injury or death. Guest riders are included when someone else books their trip, whether the person who booked rides with them or not.

The terms preserve individual small claims that remain in small claims court. Oregon law governs an injury claim from an accident in Oregon under the terms' choice of law for the place of the accident.

Before arbitration, the parties must hold an informal phone or video conference within 60 days after the other side receives notice, unless both agree to extend the time. The filing deadline and filing-fee deadlines pause during this required informal process.

The terms are an agreement between the rider and Uber. No Oregon state or federal court ruling on Uber's or Lyft's rider arbitration terms in an injury case was found.

Sources: Uber, U.S. Terms of Use (last modified November 4, 2026)

Your app screenshots and trip receipt identify the ride, driver, and time. Portland also requires driver crash reports and company records, with specific rules about who receives the records.

In Bend, the company must keep every driver's trip records for at least one year from each trip, including start and end times; the code allows grouped records or records with identities removed. The app must show the rider the car's make, model, and license plate number (Bend City Code 7.35.050).

Save the trip screenshots, receipt, driver's name and car, and the time yourself. Keep the other driver's name and insurer too. Ask the company and its insurer in writing for the crash-time app status and the trip record. No Oregon statute requires a response to that request.

Sources: Portland City Code 16.40.240; Portland City Code 16.40.280; Bend City Code chapter 7.35, Vehicles for Hire (current through Ordinance NS-2562, September 16, 2026); ODOT, 2024 Motor Vehicle Traffic Crash Analysis and Code Manual (January 2026)

The Oregon Department of Transportation, the Portland Bureau of Transportation (PBOT), and the Port of Portland publish no count of rideshare crashes.

ODOT's 2024 crash code manual, published in January 2026, uses special-use code T for rideshare cars in injury and fatal crashes. The manual says this field has not been collected for property-damage-only crashes since the 2016 data. ODOT publishes no rideshare crash table.

PBOT's Regulatory Division dashboard reports rides starting within Portland, with data through the second quarter of 2026. The counts combine taxis and rideshare cars; they count trips rather than crashes.

The House Committee on Business and Labor's April 7, 2021 staff summary for House Bill 2393 listed this issue: "Oregon is only state without statewide insurance standards for TNC operations". The quoted abbreviation refers to a transportation network company.

Sources: ODOT, 2024 Motor Vehicle Traffic Crash Analysis and Code Manual (January 2026); PBOT Regulatory Division, "Private for-Hire Transportation Statistics" dashboard (data through 2026 Q2); PBOT, Private for-Hire Transportation Quarterly Statistics (the page that links the dashboard and defines its counts); House Bill 2393 A, staff measure summary, House Committee on Business and Labor, April 7, 2021

Oregon sets a $500,000 pain and suffering limit for the wrongful death of one person. Pain and suffering is uncapped when the injured person survives. The change came from Senate Bill 193, effective January 1, 2022; public body claims follow separate limits (ORS 31.710).

Pain and suffering is part of noneconomic damages, Oregon's term for losses that are not financial, including pain, mental suffering, emotional distress, loss of companionship, and inconvenience. The pain and suffering calculator covers that part of a claim (ORS 31.705).

What the Oregon appeals court decided in 2026

In Estate of James Ritchie v. Helbig, the Oregon Court of Appeals upheld the $500,000 wrongful death cap in its February 11, 2026 decision; the Oregon Supreme Court denied review on May 21, 2026. In Estate of Grant Raymond Fisher v. Lee on July 1, 2026, the Court of Appeals refused to reduce one $20 million award under that cap because the plaintiff was left without a substantial remedy. Fisher was not a rideshare case. The court sent it back, and the result can still change.

Punitive damages and an injured driver's restrictions

For punitive damages, clear and convincing evidence must show either malice or reckless and outrageous indifference to a highly unreasonable risk of harm together with conscious indifference to others' health, safety, and welfare. The damages cap excludes punitive damages. Of a punitive award, 30% goes to the injured person, 60% to Oregon's Criminal Injuries Compensation Account, and 10% to the State Court Facilities and Security Account (ORS 31.730, 31.710(2), and 31.735).

A driver who was uninsured or driving under the influence cannot recover pain and suffering, subject to Oregon's exceptions. The restriction concerns the injured driver, not a rider who was not driving. Exceptions include an uninsured or impaired other driver, intentional injury, and the other driver's reckless driving or felony conduct. An insurance lapse also has an exception when the injured driver had coverage within 180 days before the accident and did not drive uninsured during the year before the lapse (ORS 31.715).

Sources: ORS chapter 31; Oregon Laws 2021, chapter 478 (Senate Bill 193); Estate of James Ritchie v. Helbig, 347 Or App 37 (2026); Oregon Supreme Court, petitions for review, May 21, 2026; Estate of Grant Raymond Fisher v. Lee, 351 Or App 33 (2026)

Oregon reduces your award by your own fault percentage when that percentage is 50% or less. A share of 51% or more prevents recovery. A rider's reduction is based on the rider's own fault (ORS 31.600).

A rider who did not wear a seat belt faces a reduction of no more than 5% of the amount otherwise owed. For example, that is at most $5,000 on $100,000. The seat belt rule does not apply in product liability actions or when not wearing a belt substantially caused the accident itself (ORS 31.760).

Read the Oregon comparative fault rules for the state's fault test.

Sources: ORS chapter 31

You have two years to start an Oregon injury lawsuit. The statute of limitations is the deadline for filing the lawsuit; insurance and public body claims also have their own required steps.

A city vehicle or TriMet bus hitting your Uber brings the public body rules into the claim. For July 1, 2026 through June 30, 2027 claims, the Oregon Judicial Department lists local public body limits of $902,700 per claimant and $1,805,300 for everyone claiming from the incident; a transit district is a local public body. For claims in that July 1, 2026 through June 30, 2027 period against the state, the Oregon Judicial Department lists $2,708,100 per claimant and $5,416,200 for all claimants.

The Oregon filing deadline guide covers the lawsuit deadline.

Sources: ORS chapter 12; ORS chapter 30; ORS chapter 742; Uber, U.S. Terms of Use (last modified November 4, 2026); Oregon Judicial Department, annual adjustments to Tort Claims Act limits

Lawyer fees, case costs, and repayment claims come out of the settlement before you receive the rest. A lien is a legal claim to part of that settlement money.

• Lawyer fees and case costs are deducted.
• PIP and health insurance repayment follows the full-compensation rule described for PIP.
• The Oregon Health Plan's lien cannot reach attorney fees, costs, or the expenses of getting the recovery (ORS 416.540(2)).
• Hospitals and physicians have lien rights for their charges (ORS 87.555).
• Medicare seeks repayment when it paid crash-related bills (42 U.S.C. 1395y(b)(2)(B)(ii)).

A settlement disbursement statement lists the deductions and the money you receive.

Sources: ORS chapter 742; Oregon Laws 2019, chapter 460 (Senate Bill 421); ORS chapter 416; ORS chapter 87; 42 U.S.C. 1395y (Cornell Legal Information Institute)

In its 2025 report on 59,923 closed general civil cases, the Oregon Judicial Department gives 180-day and 365-day completion figures of 81.4% and 93.0%. Those figures cover all general civil case types, rather than a separate group of rideshare claims.

The Oregon Judicial Department's 2025 trial figures show 139 civil jury trials in circuit courts, averaging 810.67 days from filing to trial. The dated claim steps below set reporting and filing times; they do not set a settlement date.

Sources: Oregon Judicial Department, 2025 time to disposition report; Oregon Judicial Department, 2025 cases tried, trial metrics; Portland City Code 16.40.280; Oregon DMV, collision reporting; Uber, U.S. Terms of Use (last modified November 4, 2026); ORS chapter 30; ORS chapter 12; ORS chapter 742

In one Oregon rideshare court record, the insurer tied the underinsured motorist amount it said applied, $50,000 or $1,000,000, to whether the app ride had been canceled. A rider's own policies also added a source of coverage.

A search of Oregon appellate opinions, federal court records for Oregon, and City of Portland settlement ordinances found the one rideshare court record with an amount presented here.

The ride, coverage dispute, and later settlement

Triem v. State Farm Fire and Casualty Co., Indian Harbor Insurance Co., and Alder was filed in Multnomah County Circuit Court in 2021 and became case 3:21-cv-00710 in the U.S. District Court for the District of Oregon. The federal opinions describe these events, taking the crash account from her complaint:

1. On April 6, 2019, the rider ordered an Uber while a friend separately ordered a Lyft. Alder drove for both services, accepted the friend's Lyft request, and picked up the three riders. When asked whether he was their Uber driver, he said yes, then canceled the pending Lyft ride to accept another. After the rider asked to get out, another car struck his car and she was injured.
2. The rider sought PIP and underinsured motorist benefits under the Lyft policy. Coverage was initially denied, then accepted on October 8, 2021. She alleged that the insurer cited the canceled app ride when it gave her an underinsured motorist limit of $50,000 instead of $1,000,000.
3. On December 15, 2021, the federal court dismissed the claims against Lyft. The court treated the driver as an agent who was not an employee and held that Lyft had not intended or authorized the results or manner of the outside-app ride. The court also said Lyft was insured rather than being an insurance company. This was an early decision on that ride's facts.
4. The federal court's February 15, 2022 opinion recorded three personal auto policies, each providing $15,000 PIP and $500,000 underinsured motorist coverage per incident. A footnote described the Oregon Supreme Court's Batten decision as allowing policy limits to be added together and making the policies' anti-stacking language unenforceable.
5. The federal court's September 30, 2024 opinion recounted a December 9, 2023 private binding arbitration that assessed total damages at $2,550,000. The court took that assessment from the complaint; the figure is the arbitrators' assessment of total damages, not an insurer's payment.
6. The federal docket records a settlement notice with the Lyft insurer on September 2, 2025 and a stipulated dismissal with prejudice on February 26, 2026. The settlement amount is not public in that docket.

The court record does not resolve which of those two limits was right.

Sources: Triem v. State Farm Fire and Casualty Co., D. Or., opinion and order, December 15, 2021 (CourtListener copy); Triem v. State Farm Fire and Casualty Co., D. Or., opinion and order, February 15, 2022 (CourtListener copy); Triem v. State Farm Fire and Casualty Co., D. Or., opinion and order, September 30, 2024 (CourtListener copy); Triem, D. Or. 3:21-cv-00710, docket (CourtListener)

Save the ride record and request the crash-time app status in writing. File required reports, start the PIP claim, and put the notice and lawsuit dates on your calendar.

Sources: Portland City Code 16.40.240; Oregon DMV, collision reporting; ORS chapter 811; ORS chapter 742; ORS chapter 30; ORS chapter 12

Sources: Uber, Oregon certificate of insurance (policy period March 1, 2026 to March 1, 2027); ORS chapter 742; Oregon Laws 2021, chapter 222 (House Bill 2393); Oregon Laws 2015, chapter 5 (Senate Bill 411); Triem v. State Farm Fire and Casualty Co., D. Or., opinion and order, December 15, 2021 (CourtListener copy); Uber, U.S. Terms of Use (last modified November 4, 2026); ORS chapter 31; Oregon Laws 2021, chapter 478 (Senate Bill 193); Estate of James Ritchie v. Helbig, 347 Or App 37 (2026); Oregon Supreme Court, petitions for review, May 21, 2026; Estate of Grant Raymond Fisher v. Lee, 351 Or App 33 (2026); Oregon Judicial Department, 2025 time to disposition report; Oregon Judicial Department, 2025 cases tried, trial metrics; Portland City Code 16.40.280; Oregon DMV, collision reporting; House Bill 2051 (2023 Regular Session), overview; Lyft, Oregon certificate of insurance (policy period October 1, 2026 to October 1, 2027); Portland City Code 16.40.230, TNC Insurance Requirements; 26 U.S.C. 104 (Cornell Legal Information Institute); ORS chapter 316

Enter your injury, medical bills, and the driver's app status in the free AI calculator with attorney review. Get a claim calculation using the national injury ranges and your Oregon accident details.