Oregon
Your AI Accident Assistant for Oregon.
We handle Oregon property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How Oregon treats your claim
- Total loss threshold
- 80% of fair market value
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 6 years
- Small claims cap
- $10,000
- Fault rule
- Modified 51% bar
- First-party PA license
- Not required for consumer DIY
TMT: a fixed % triggers a total loss.
Gonzales v. Farmers Ins. Co., 345 Or. 382, 196 P.3d 1 (Or. 2008)
ORS 744.502 / 744.505 / 744.515 / 744.531 / 744.584 (UNIFIED adjuster regime — no PA-specific framework)
Dive deeper into Oregon
What Claimoe does for Oregon claims
- · Drafts every adjuster email for your approval, with Oregon-specific language and citations.
- · Calculates your diminished value using the 17c framework and Gonzales v. Farmers Ins. Co., 345 Or. 382, 196 P.3d 1 (Or. 2008).
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · Oregon rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.