In Oregon, motorcyclists (and moped riders) are not required to carry PIP (Personal Injury Insurance) and PIP is not included on motorcycle insurance policies, but motorcycle riders can request and purchase the additional PIP coverage.
If you add PIP coverage to your motorcycle insurance policy it provides no-fault healthcare coverage to the limit you can choose with your insurance agent.
PIP coverage is no-fault meaning it covers you even if you are responsible for your accident or if you crashed because of your own mistake and were injured, or if the other motorist is uninsured.
If you have the minimum PIP coverage of $15,000, it will cover your medical expenses for reasonable and necessary care up to two years after your accident.
I suggest getting as much PIP coverage as you can afford, especially if you have a high deductible medical insurance plan. Adding the additional PIP coverage is really not that much more additional expense to your motorcycle insurance and PIP provides more benefits beyond the no-fault medical bill coverage.
If you do not have PIP as part of your motorcycle insurance policy, and do not have health insurance, than the other driver's auto insurance should pay your medical bills.
If your Oregon personal injury protection coverage limits are reached, the other driver's personal injury protection may also cover you if you do not have healthcare insurance.
Lost Wages: PIP insurance provides for wage loss up to 70% of your lost income, up to $3,000 monthly (after a 14-day disability period, up to 52 weeks after your accident).
PIP insurance also provides for essential services up to $30 daily for household assistance for up to 52 weeks.
Additionally, if you are hospitalized for 24 consecutive hours (or more) due to your motorcycle accident injuries, and you are the parent or legal guardian of a minor child, PIP coverage will pay up to $25/day for child care expenses. Child care PIP benefits are capped at a maximum of $750, but child care can also be covered under the essential services coverages provided by PIP.
PIP insurance also provides funeral expenses up to $5,000 incurred within one year after the motorcycle accident.
I also encourage everyone to increase their Under Insured Motorist (UIM) coverage as well as your Uninsured Motorist (UM) insurance coverage. This is a way that you can protect yourself, and it won't add that much to your existing motorcycle insurance rate.
- Damage to any vehicle is over $2,500 (even if y
our vehicle was the only one in the crash);
- Any vehicle is towed from the scene;
- Injury or death resulted from this accident;
- or Damages to anyone's property other than a vehicle involved in this accident is more than $2,500.
If you do not file a report when required, Oregon law requires DMV to issue a suspension notice. If you were in an accident and the damages were less than $2,500, you can report to DMV if the other party doesn't have insurance. Be sure to clearly note on the accident report that it doesn't meet mandatory reporting criteria.
An Oregon Police Traffic Accident Report filed with DMV does not exempt you from the requirement to complete and submit an Oregon Traffic Accident and Insurance Report.
Regardless of a police officer's reporting, you are required, as outlined in ORS 811.720 and 811.725, to complete and submit the Oregon Traffic Accident and Insurance Report to DMV. The report must be completed using the form designated by DMV which is the Oregon Traffic Accident and Insurance Report.
Make sure to retain copies of the accident and insurance report for your records.
You do have the right to recover any police report submitted as a result of your motorcycle accident.
Contact the police department that responded to your motorcycle accident. The procedure for recovering the police report will vary from one jurisdiction to the other.
In Portland, you can get a copy of your accident report usually by contacting the Portland Police Bureau's Records Division at 503-823-0043 or the Police Report Request and Help Line at 503-823-0041.
Another way you can get a copy of your accident report in Portland is by filling out a request on the official website of the City of Portland.
If your motorcycle accident happened outside of Portland, then call DMV Customer Assistance at 503-945-5000 and request DMV send (snail mail/fax/email) you the accident report. You can also pick up a paper form from a DMV field office or your local law enforcement department.
In my experience most motorcycle riders are very safe and cautious, because they know their lives are on the line, motorcycle crash causation studies illustrate this with facts.
The failure of motorists to see the motorcycle in traffic remains the predominant cause of car vs. motorcycle accidents.
The first motorcycle crash causation study was the Hurt Study conducted in 1976 and released in 1981 and found,
"The most common motorcycle accident involves another vehicle causing the collision by violating the right-of-way of the motorcycle at an intersection, usually by turning left in front of the oncoming motorcycle because the car driver did not see the motorcycle."
Consider these findings in the only comprehensive Motorcycle Crash Causation Study (PDF) conducted since the Hurt Study in 2019 via Federal Highway
Administration Office of Safety Research and Development ( the study was years in the waiting and partially funded by the American Motorcyclist Association (AMA) which produced a wealth of information
on the causal factors of motorcycle crashes and provides perspectives on crash
countermeasures:
Validity of Evasive Action for the Situation
- Proper evasive action was taken twice as often as the improper action in multiple vehicle crashes (27 percent proper versus 11 percent improper), while improper
evasive action was taken twice as often as the proper action in single-vehicle
crashes (43 percent proper versus 22 percent improper).
- "Yes, Evasive Action Was the Proper Choice for the Situation" was unrepresented
in fatal crashes.
Competent Execution of Evasive Action
- Evasive action was neither taken nor properly executed in 80 percent of cases.
- Proper execution was underrepresented in single-vehicle and fatal crashes.
I am a big believer in motorcycle rider training and track days.
Motorcycle Track Days - Get more seat time, build your riding skills, it helps you stay safe on the roads.
Andy and I grew up in the same area just outside of Portland.
Currently we also have track days offered by Moto Corsa which are scheduled at Portland International Raceway and at The Ridge Raceway not too far away in Washington; we also have another facility where Skip Track Days offers motorcycle track days. And more track day providers and riding schools and rider coaching offered by: Optimum Performance, MotoVixen, 2Fast, Pacific Track Time, MotoFit, and Ken Hill Coaching.
Motorcycle rider training at these types of track days offer experience with your motorcycle in a non traffic environment where you can push your skills to improve and really get to know your motorcycle.
The help of other riders and coaches is also invaluable in helping you gain confidence and build new skills.
Get more quality motorcycle seat time with no cars, it's a fun time too with other motorcycle riders, and perfect place to push yourself and your motorcycle skills.
Special Motorcycle Track Day Events With Andy DiBrino
Andy held a couple special events, June 1, and June 29 in 2026 to coincide with the MotoAmerica / Super Hooligans at The Ridge in Washington and he hoped some of the professional MotoAmerica riders and friends of his, would come out for the fun as special guests. Andy also held a full season schedule of both coaching and his own track days as well as coaching with some other organizations.
I am proud to have supported some of the prizes Andy gave out at both of these special events. June 1 was a celebration of life, remembering Andy's dear friend and fellow motorcycle racer, who he grew up riding and racing with at Pat's Acres, PIR and Thursday Night MX, Kelly Johnson.
Pictured below from Andy's June 1 event womens-only Superpole Laptime Shootout for $500 in price money which I was proud to sponsor (1st got $300, 2nd $150, 3rd $50 -winners are pictured on their podiums at Pat's Acres). Andy puts on fun events. He had tshirts for Kelly #303, stickers, and more.
