2015 ORS 742.456¹
When insurer’s liability accrues
  • nonforfeiture provisions

The liability of an insurer with respect to the motor vehicle liability insurance policy required by ORS 806.060 (Methods of compliance), 806.240 (Proof of compliance with future responsibility filing requirement) or 806.270 (Certificate of insurance) shall become absolute whenever injury or damage covered by the policy occurs. The policy may not be canceled or annulled as to such liability by any agreement between the insurer and the insured after the occurrence of the injury or damage. No statement made by the insured or on behalf of the insured and in violation of the policy shall defeat or void the policy. This section does not apply to motor vehicle liability insurance policies other than those required in connection with ORS 806.060 (Methods of compliance), 806.240 (Proof of compliance with future responsibility filing requirement) or 806.270 (Certificate of insurance). [Formerly 486.551 and then 743.779]

(formerly 486.551, then 743.779)

See also annota­tions under ORS 486.551 in permanent edi­tion.

Notes of Decisions

Under this sec­tion, insurance carrier's liability is absolute with respect to policies issued as proof of financial responsibility, and insurer was not entitled to raise de­fense of insured's non-coopera­tion where policy was issued for this purpose. Rowley v. Dairyland Ins. Co., 44 Or App 333, 605 P2d 1356 (1980)

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/­ors/­ors742.­html (2015) (last ac­cessed Jul. 16, 2016).
 
2 Legislative Counsel Committee, Annotations to the Oregon Revised Stat­utes, Cumulative Supplement - 2015, Chapter 742, https://­www.­oregonlegislature.­gov/­bills_laws/­ors/­ano742.­html (2015) (last ac­cessed Jul. 16, 2016).
 
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.