Automobile insurance sold in Oregon must contain at least, $25,000 per person / $50,000 per crash “underinsured” motorist coverage. Underinsured motorist coverage, also known as “UIM” coverage protects drivers who are hurt by an at-fault motorists without sufficient insurance liability limits to cover the damages he or she caused. Keep in mind that, in Oregon, UIM coverage is triggered only when the bad driver’s liability insurance is less that the limits of the good driver’s UIM coverage.