Oregon requires UM and UIM coverage, and for a motorcyclist with no PIP on the bike, it is the coverage that actually stands between you and an unpaid hospital bill. Here is how it works and why you should check your limits now.

Oregon requires Personal Injury Protection on car policies, but motorcycles are exempt. Most Portland riders have no PIP on the bike for their own medical bills after a wreck, and that gap shows up at the worst possible moment.

Every rider and passenger in Oregon must wear a DOT-approved helmet. Here is what actually makes a helmet compliant and how a novelty lid can be turned against you under Oregon's 51 percent comparative-fault rule.

Oregon gives you two years to file a motorcycle injury lawsuit, but a claim against a public body can require notice in just 180 days. Wet-weather evidence fades fast, which is why waiting is the mistake that costs riders the most.

A step-by-step guide for Portland and Oregon riders on what to do after a crash, why your bike likely has no PIP so the UM and liability claims are everything, and what never to say to the adjuster.

Hit by a driver with no insurance while riding in Portland or across Oregon? Here is how required UM and UIM coverage steps in, why your bike's missing PIP makes it matter even more, and why your own insurer still fights you.

Hit by a driver who fled on a Portland road? Learn the immediate steps, why traffic and TriMet camera footage is a race against time, and how your required Oregon UM coverage pays after a motorcycle hit-and-run.

The dry spell is over and the rain is back for the winter. For Portland riders that means oil-slick first rains, greasy leaves in the Gorge, slick paint and metal downtown, valley fog, and cold hands in the dark. Here is where wet season bites and ho

Some Portland corridors put riders in the hospital far more than others. The Rose Quarter merge, the I-405 loop, the Gorge run on I-84, the Sunset Highway, OR-217, the Terwilliger curves, and the downtown track grid each carry their own risk. Here is

By November the ride home is a night ride whether you planned it or not. In Portland that means being seen in near-constant rain, glare off wet pavement, and at the intersections where left-turn crashes put down more riders than anything else. Here i

The best motorcycle rides near Portland, from the Historic Columbia River Highway and the Mount Hood Loop to the coast run and the West Hills, plus the hidden risks Oregon riders face and why a Portland crash hits differently.

What is an Oregon motorcycle accident case worth? A Portland rider's guide to damages, coverage limits, the missing PIP on your bike, and how the 51 percent fault bar can raise your number or wipe it out.

The insurance adjuster who calls after your Oregon motorcycle crash is not on your side. Learn the tactics, what not to sign, and how the 51 percent fault bar makes every word you say matter.