MVA and home improvement leads in Oregon
Oregon had 4,273,586 residents in the Census Bureau estimate for July 1, 2025. Injured drivers there claim against the driver at fault, yet every Oregon liability policy also carries personal injury protection. Contractors need a Construction Contractors Board license to work on homes, and the median Oregon housing unit was built in 1981. Here is how those facts translate into lead filters.
Summit Leads supplies home improvement and MVA leads in all U.S. states, including Oregon. Buyers set filters down to the ZIP code. Leads are exclusive by default: each lead is sold to one buyer. Shared delivery is available if a buyer asks for it.
Request Oregon lead supplyOregon MVA leads: PIP inside a fault-based system
Oregon DMV lists the minimum insurance a driver must carry: bodily injury and property damage liability, personal injury protection and uninsured motorist coverage. ORS 742.520 states that every insurer issuing a motor vehicle liability policy shall provide personal injury protection benefits. PIP pays the injured person's own reasonable medical and related costs early on, but Oregon keeps the tort claim against the driver who caused the crash, with no no-fault threshold to meet first. For intake, PIP status is context for the firm; fault and injury decide the case.
ORS 12.110(1) requires an action for any injury to the person, not arising on contract, to be commenced within two years. Buyers set an accident age limit well inside that window. A lead whose accident is already more than a year old gives a law firm client far less room to gather records and negotiate.
Fault follows ORS 31.600. Contributory negligence does not bar recovery if the fault attributable to the claimant was not greater than the combined fault of the defendants and the other persons the statute lists, and damages are reduced in proportion to the claimant's share. A claimant found exactly half at fault still recovers; one found more at fault than everyone else combined does not. Liability details such as who was cited and the direction of impact let each client set its limit.
Sub-types, filters and the quality bar are on the MVA leads and car accident leads pages.
Oregon home improvement leads: CCB licensing, 63.3 percent owners and 1981 housing
The Census Bureau puts the Oregon owner-occupied housing unit rate at 63.3% for 2020-2024, so homeowner confirmation is the first home improvement filter. The median year structure built is 1981 in the ACS 5-year estimates for 2020-2024: half of Oregon's housing units were built in 1981 or earlier, which supports replacement work in roofing, siding and gutters and windows alongside bathroom renovation and flooring projects.
Oregon licenses contractors at the state level. ORS 701.021 says a person who undertakes, offers to undertake or bids on work as a contractor must hold a current license from the Construction Contractors Board with the right endorsement, and the Board states that anyone who works for compensation in construction involving improvements to real property must be licensed. Residential and commercial work need separate endorsements. Oregon also has a home solicitation law: under ORS 83.720, the buyer may cancel a home solicitation sale until midnight of the third business day after signing. Buyers whose contractor clients sell in the home should confirm those clients hold a residential endorsement and give the cancellation notice.
Project types and filters are listed on the home improvement leads and roofing leads pages.
Consent records for Oregon leads
Each lead carries its TCPA consent record (opt-in language, timestamp, IP address and page URL), so the record travels with the lead to your system.
Each Oregon lead comes with a consent record captured to the federal TCPA standard, including the opt-in language, the time of opt-in, the IP address and the page URL. Buyers that route Oregon leads to law firms or contractors can forward the record with the lead, so the calling party has the documentation it needs.
Our guide to state telemarketing laws compares the states that add rules on top of the TCPA.
Oregon facts for lead buyers
| Fact | Value | Source |
|---|---|---|
| Auto insurance system | Fault-based (tort); liability, PIP and uninsured motorist coverage required | Insurance RequirementsOregon Driver and Motor Vehicle Services |
| Personal injury protection | Every motor vehicle liability policy must provide PIP benefits (ORS 742.520) | ORS 742.520, Personal injury protection benefitsOregon Legislature |
| Personal injury statute of limitations | Two years (ORS 12.110(1)) | ORS 12.110, Actions for injury to personOregon Legislature |
| Comparative fault rule | Modified: no bar if claimant's fault is not greater than the combined fault of the others (ORS 31.600) | ORS 31.600, Contributory negligence not bar to recoveryOregon Legislature |
| Contractor licensing | Construction Contractors Board license with a residential endorsement for home work (ORS 701.021) | ORS 701.021, License requiredOregon Legislature |
| Who must be licensed | Anyone paid for construction work that improves real property | CCB LicenseOregon Construction Contractors Board |
| Home solicitation cancellation | Until midnight of the third business day after signing (ORS 83.720) | ORS 83.720, Buyer's right to cancel home solicitation saleOregon Legislature |
| Population | 4,273,586 (July 1, 2025, Vintage 2025 estimate) | QuickFacts: OregonU.S. Census Bureau |
| Owner-occupied housing unit rate | 63.3% (ACS 2020-2024) | QuickFacts: OregonU.S. Census Bureau |
| Median year structure built | 1981 (ACS 5-year 2020-2024) | Table B25035, Median Year Structure Built: Oregon (ACS 5-Year 2020-2024)U.S. Census Bureau |
Last reviewed: September 19, 2026. A summary for education, not legal advice.
Oregon lead buying questions
Is Oregon a no-fault state?
No. Oregon is fault-based: the injured person claims against the driver who caused the crash. Every Oregon liability policy must still include personal injury protection under ORS 742.520, which pays the policyholder's own early medical costs.
How long do Oregon accident victims have to file suit?
Two years for an injury to the person under ORS 12.110(1). Buyers keep their accident age filter well inside that period.
Can a partly at-fault Oregon claimant recover?
Yes, if their fault is not greater than the combined fault of the others the statute lists. ORS 31.600 reduces damages by the claimant's share and bars recovery only above that line.
Do Oregon home improvement contractors need a license?
Yes. ORS 701.021 requires a current Construction Contractors Board license with the right endorsement, and residential work needs a residential endorsement.
Can Oregon homeowners cancel a contract signed at home?
Yes. Under ORS 83.720, a buyer may cancel a home solicitation sale until midnight of the third business day after signing.
Can we buy Oregon leads by ZIP code?
Yes. Summit Leads supplies home improvement and MVA leads in all U.S. states, including Oregon, and buyers choose the states or ZIP codes they buy in.
Request Oregon lead supply
Tell us the verticals you buy in Oregon, the ZIP codes you cover, your daily volume and how you take delivery. Return terms are discussed on the onboarding call and agreed before going live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- Leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
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