ORS 742.449¹
Prohibition on assignment to high risk category on certain grounds

An insurer issuing motor vehicle liability insurance policies in this state may not assign an insured or applicant for insurance to a higher risk category than the person would otherwise be assigned to solely because the person has:

(1) Let a prior motor vehicle liability policy lapse, unless the person was in violation of ORS 806.010 (Driving uninsured prohibited) at any time after the prior policy lapsed; or

(2) Had driving privileges suspended pursuant to ORS 809.280 (Department procedures following court order or recommendation) (7) or (9) if the suspension is based on a nondriving offense. [1989 c.419 §2; 1991 c.860 §6]

Notes of Decisions

Where Financial Responsibility Law requires motor vehicle insurance policies to insure against all liability arising out of motor vehicle "ownership, opera­tion, use or maintenance," insurer's named driver policy which insurer sold to insured in connec­tion with insured's vehicle must be construed as providing coverage by law and insurer is responsible for insured's de­fense. Viking Ins. Co. v. Perotti, 308 Or 623, 784 P2d 1081 (1989)

1 Legislative Counsel Committee, CHAPTER 742—Insurance Policies Generally; Property and Casualty Policies, https://­www.­oregonlegislature.­gov/­bills_laws/­Archive/­2007ors742.­pdf (2007) (last ac­cessed Feb. 12, 2009).
2 Legislative Counsel Committee, Annotations to the Oregon Revised Stat­utes, Cumulative Supplement - 2007, Chapter 742, https://­www.­oregonlegislature.­gov/­bills_laws/­ors/­742ano.­htm (2007) (last ac­cessed Feb. 12, 2009).
3 OregonLaws.org assembles these lists by analyzing references between Sections. Each listed item refers back to the current Section in its own text. The result reveals relationships in the code that may not have otherwise been apparent. Currency Information