SR-22 insurance in Oregon is a high-risk auto insurance that the state requires for drivers with a suspended license. In this post, we’ll explore what high-risk drivers in Oregon need to know about SR-22 insurance, including how it works, how to get it, and how to maintain it.
High-risk drivers must understand and follow SR-22 requirements to maintain driving privileges and comply with the law. What is a high-risk driver? A high-risk driver is convicted of certain traffic offenses or has a reckless or negligent driving history. Some examples of violations that may result in the need for SR-22 insurance in Oregon include:
- DUI (driving under the influence of alcohol or drugs)
- Reckless driving
- Hit and run
- Operating a vehicle without insurance
- Accumulating too many points on your driving record
Suppose you committed one of these offenses or have a suspended license for other reasons. In that case, you must obtain an SR-22 certificate of financial responsibility to reinstate your driving privileges.
How Does an SR-22 Filing Help High-Risk Drivers?
SR-22 insurance provides much-needed relief to Oregon high-risk drivers, allowing them to regain their driving privileges after certain traffic violations or license suspensions. By filing an SR-22 certificate with the Oregon Department of Motor Vehicles (DMV), your car insurance provider proves you have the required liability coverage. This filing ensures you can legally operate a motor vehicle by having the necessary insurance coverage to pay claims from an accident or other incident.
Likewise, requiring high-risk drivers to carry SR-22 insurance also financially protects other drivers on the road. An uninsured high-risk driver poses the risk that others will have to cover the costs of an accident caused by the uninsured driver.
How Does SR-22 Insurance Work?
SR-22 insurance provides much-needed relief to Oregon high-risk drivers, allowing them to regain their driving privileges after certain traffic violations or license suspensions. By filing an SR-22 certificate with the Oregon Department of Motor Vehicles (DMV), your car insurance provider proves you have the required liability coverage.
The insurance company must notify the state if you cancel or let your SR-22 policy lapse. This notice results in the state suspending your driving privileges once again.
What should you do if you move out of state while the SR-22 requirement is still in force? You must still maintain your SR-22 until the requirement expires. If you plan to move out of Oregon, contact your SR-22 provider for a cross-state SR22 insurance policy as soon as possible.
How Do High-Risk Drivers Get SR-22 Insurance?
To obtain SR-22 insurance in Oregon, you must contact an SR-22 insurance provider that offers this type of coverage. Not all insurance providers offer SR-22 insurance. So, you may need to shop for a provider to meet your needs. Once you decide on a provider, be prepared to supply all relevant documentation. This documentation may include your driving record or a court order requiring you to obtain an SR-22 filing.
Once approved, you must be able to pay the first premium immediately. Some providers charge a filing fee for this service, but UltraCar Insurance does not charge any fees. The cost of SR-22 insurance can vary greatly depending on several factors, including your driving record, the type of coverage you choose, and the insurance company that issues your policy.
You must comply with your policy’s terms, pay your premiums on time, avoid traffic violations and accidents, and maintain continuous coverage for the required period.
How Much Does Oregon SR-22 Cost?
SR-22 insurance is usually more expensive than standard car insurance. Because insurance companies consider high-risk drivers a greater risk to insure, they charge higher premiums to cover that risk. So, shopping around and comparing quotes from multiple insurance providers is wise. You may find that the insurance cost for high-risk drivers can vary significantly between providers.
UltraCar Insurance is a wise choice when you need an affordable, high-risk auto insurance provider. We’re a top provider of low-cost SR-22 insurance in Oregon and non-owner SR-22 insurance. Contact us or start an online quote today—our experts will provide the support you need to get the policy that best suits you!
