Oregon has no statewide TNC operational statute — your rideshare accident claim depends on which city's municipal code governs the crash location.
Oregon is a municipal-patchwork state for rideshare regulation. The only statewide TNC provisions are PIP add-ons under ORS 742.518 and ORS 742.520 (enacted by HB 2393 in 2021). Inside Portland, City Code Chapter 16.40 imposes $1 million combined single limit coverage during Periods 2 and 3, plus $1 million UM/UIM — one of the strongest municipal TNC insurance mandates in the country. Outside Portland, there is no statewide period-tiered liability framework.
Oregon's two-year statute of limitations under ORS 12.110(1) applies to all rideshare accident claims. But the insurance landscape is uniquely complicated because Oregon has no comprehensive statewide TNC operational statute. The only statewide TNC-specific law is HB 2393 (2021), codified at ORS 742.518 and ORS 742.520, which requires TNCs and taxi companies to provide Personal Injury Protection benefits to drivers and passengers — minimum $15,000 per person PIP plus lost wages up to $3,000 per month for up to 52 weeks. There is no Oregon analogue to New York's VTL Article 44-B, California's PUC § 5430, or Texas's Occupations Code Chapter 2402. The operational framework — permits, insurance tiers, driver certification, background checks, vehicle inspection — is set by individual cities.
Inside Portland city limits, City Code Chapter 16.40 (Private For-Hire Transportation Regulations) governs rideshare operations. Section 16.40.230 imposes the insurance tiers: Period 1 (driver logged into the app, waiting for a match) requires primary insurance with at least $50,000 per person for death and injury, $100,000 per incident, and $25,000 property damage. Periods 2 and 3 (match accepted through passenger drop-off) require at least $1,000,000 in combined single limit coverage for death, personal injury, and property damage per incident, plus $1,000,000 in combined single limit UM/UIM coverage. Section 16.40.230(B) requires that 'all periods of TNC service must be covered by a general commercial liability and primary automobile insurance policy' — functionally closing the Period 1 gap that leaves drivers exposed in many other states.
Outside Portland, the insurance landscape is far more uncertain. Eugene operates a PPV Driver Certification program and Gresham has a separate TNC Regulation Program, but many Oregon cities have no rideshare-specific regulatory framework at all. In these areas, the only statewide insurance floor is the general auto minimum of 25/50/20 plus the ORS 742.520 PIP requirement. Oregon's general UM/UIM statute (ORS 742.502) requires UM/UIM coverage equal to bodily injury liability limits on every personal auto policy, but whether the TNC's commercial policy or the driver's personal policy fills the gap depends on the specific coverage in force and whether the personal policy contains a livery exclusion.
Oregon's modified comparative fault under ORS 31.600 applies the 51% bar to rideshare cases. The multi-party nature of rideshare accidents — the TNC, the driver, possibly a third-party at-fault driver — creates opportunities for each defendant to point fingers at the others and at the injured passenger or third party. A local attorney must identify (1) which municipality's code governs the crash location, (2) what period the driver was in at the time of the crash (app off, app on waiting, en route, passenger in vehicle), (3) which insurance policy is primary for that period, and (4) whether Portland's $1M UM/UIM coverage under § 16.40.230 applies. Portland's UM/UIM requirement is a particularly underused recovery avenue when the at-fault driver is underinsured.
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The legal information on this page is for general educational purposes only and is not legal advice. Laws change, and every case is different. Always consult with a licensed attorney in your state to verify the current law and how it applies to your specific situation.
No comprehensive one. Oregon's only statewide TNC-specific law is HB 2393 (2021), codified at ORS 742.518 and ORS 742.520, which requires TNCs to provide PIP benefits to drivers and passengers — minimum $15,000 per person PIP plus lost wages up to $3,000/month for up to 52 weeks. There is no statewide period-tiered liability framework like New York, California, or Texas have. Insurance tiers are set by individual cities. Inside Portland, City Code § 16.40.230 imposes $50k/$100k/$25k for Period 1 and $1M combined single limit for Periods 2 and 3. Outside Portland, coverage depends on the municipality and the TNC's voluntary commercial policy.
Portland City Code § 16.40.230 sets the minimum floors: Period 1 (app on, waiting for match) requires $50,000 per person/$100,000 per incident/$25,000 property damage in primary coverage. Periods 2 and 3 (match accepted through drop-off) require $1,000,000 combined single limit for death, injury, and property damage, plus $1,000,000 combined single limit UM/UIM coverage. Section 16.40.230(B) requires all periods of TNC service to be covered, closing the Period 1 gap. These are the city-mandated minimums — both Uber and Lyft must file evidence of compliance with the City before receiving a TNC permit.
Two years from the date of the crash under ORS 12.110(1) — Oregon's general personal injury statute of limitations. There is no rideshare-specific SOL. If a government vehicle was involved, the Oregon Tort Claims Act (ORS 30.275) imposes a 180-day written notice requirement. The more urgent deadline in rideshare cases is evidence preservation: TNC app data showing the driver's period status, GPS logs, trip records, and the driver's acceptance/completion timestamps must be subpoenaed before the TNC's data retention policies allow deletion.
Outside Portland, there is no city-mandated TNC insurance tier framework in most Oregon municipalities. The statewide floor is limited to general auto minimums (25/50/20) plus PIP under ORS 742.520. Your recovery depends on the TNC's voluntary commercial policy, the driver's personal auto policy (and whether it contains a livery exclusion), and Oregon's general UM/UIM requirement under ORS 742.502 (UM/UIM must equal bodily injury liability limits). Eugene and Gresham operate separate municipal TNC programs, but many smaller cities have no rideshare-specific regulations at all.
Oregon has no TNC-specific driver classification statute. Driver status is determined by Oregon's common-law right-to-control and economic-realities test, applied on a case-by-case basis by the Bureau of Labor and Industries (BOLI). In practice, Uber and Lyft classify Oregon drivers as independent contractors. SB 1166 (2025 session) would add pay, sick leave, and deactivation protections for TNC drivers without converting them to employees, but it has not been enacted as of this writing. The classification matters for accident claims because it affects whether the TNC can be held vicariously liable for the driver's negligence.
Yes. Oregon follows modified comparative fault under ORS 31.600 with a 51% bar. If you are found more than 50% at fault, you recover nothing. In rideshare cases, fault can be allocated among multiple parties — the TNC driver, a third-party at-fault driver, and potentially the injured person. Each defendant will attempt to shift blame to reduce their own share. An attorney must determine the driver's period status at the time of the crash, identify the applicable insurance policy, and build the evidence to keep the claimant's fault below the 51% threshold.
All legal information on this page is sourced from primary government statutes. Last verified 2026-04-07.
ORS 742.518
Definitions for ORS 742.518 to 742.542 (includes 'transportation network company')
ORS 742.520
Personal injury protection benefits required for TNC/taxi drivers and passengers (HB 2393, 2021)
ORS 12.110
2-Year Personal Injury Statute of Limitations
ORS 742.502
Uninsured motorist / Underinsured motorist coverage (general)
Portland City Code § 16.40.230
Portland TNC Insurance Requirements (Period 1: $50k/$100k/$25k; Periods 2-3: $1M CSL + $1M UM/UIM)
Portland City Code Chapter 16.40
Portland Private For-Hire Transportation Regulations (full chapter index)
Or. HB 2393 (2021)
TNC/taxi PIP requirement (enacted 2021, eff. Jan 1, 2022)
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