Auto insurance policies issued in Oregon cover three general areas: liability; personal injury protection (commonly known as "PIP"); and uninsured / underinsured motorists ("UM / UIM").
Liability insurance covers you for your own negligence when you cause bodily injury or property damage to other people. Liability insurance also covers the other motorist when they injure you and you make a claim against them.
Personal injury protection (PIP) covers your medical expenses within a certain time and amount.
Uninsured and underinsured motorist coverage covers your bodily injury when an uninsured or underinsured motorist causes your injury. Hit-and-run drivers are uninsured motorists. Uninsured motorist property damage coverage must be offered by your insurer but is not required in Oregon.