Final answer:
In California, an insurer from Oregon is correctly referred to as a foreign insurer, as it is incorporated in one state but doing business in another.
Step-by-step explanation:
In California, an insurer organized under the state laws of Oregon is indeed referred to as a foreign insurer. When dealing with insurance terminology in the United States, the term 'foreign insurer' is commonly used to describe an insurance company that is incorporated in one state but is conducting business in another.
Therefore, since Oregon and California are both states within the U.S., an Oregon-based insurer operating in California would be considered foreign in the context of California's state jurisdiction.