An official website of the State of Oregon
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Two funds protect Oregonians in this situation. They are the Oregon Life and Health Insurance Guaranty Association (OLHIGA) and the Oregon Insurance Guaranty Association (OIGA).
When an insurance company becomes insolvent and is liquidated by a court order, the guaranty funds will pay covered claims. The guaranty funds will not pay any claim the insurance company would not have paid. The funds pay claims according to the terms of the original insurance policy.
Both funds cover only Oregon residents. They pay claims only against insurers that were licensed to do business in Oregon at the time of the insolvency. Most insurers licensed to do business in Oregon must belong to one of the associations.
The following two charts show the coverage and limits of the two guaranty funds.
Oregon Insurance Guaranty Association (property and casualty)
Oregon Life and Health Insurance Guaranty Association
Oregon Insurance Guaranty Association (property and casualty)503-641-7132
Oregon Life and Health Insurance Guaranty Association855-378-9510
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