SR22 is a high-risk insurance certificate the state requires you to file for license reinstatement. When you don’t have a car to insure, an insurance provider writes a non owner policy with an SR22 attachment. UltraCar Insurance will find you a cheap non owner SR22 insurance Oregon rate, and fast filing to reinstate your driving privileges.
Why do people need non owner SR22 insurance?
There are various reasons for obtaining non owner SR22 insurance. The most common purpose is to reinstate a suspended license after a DUI offense or other motor vehicle violation. A court may order someone to file a financial responsibility form (another term for SR22) in connection with a legal judgment, such as child custody.
You can also buy Oregon non owner insurance without an SR22 endorsement. It serves as secondary liability coverage when you drive a borrowed vehicle on an occasional basis. Being insured this way shows financial responsibility on your part. It shows continuous insurance coverage if you buy a car in the future, which can reduce your insurance rate.
What does non owner SR22 insurance cover?
Non owner SR22 Oregon is a liability-only policy that insures you when driving a non-owned vehicle. Cheap non owner SR22 insurance Oregon is secondary insurance. Therefore, any time you drive someone’s car, you should confirm that the owner has insurance on it. If you cause an accident while driving it, your SR22 insurance covers claims that exceed the vehicle owner’s primary insurance coverage.
Non owner insurance coverage has some limitations and exclusions:
- Non owner insurance does not cover a vehicle, so you can’t add coverage like comprehensive and collision to the policy.
- It does not cover household vehicles that you have regular access to drive.
- Non owner SR22 insurance does not cover rental, commercial, or employment-related vehicles.
Minimum liability coverage requirements in Oregon
The state of Oregon requires non owner SR22 insurance to have minimum coverage of $25,000 for bodily injury per person, $50,000 bodily injury per occurrence, and $20,000 property damage.
How much does cheap non owner SR22 insurance Oregon cost?
The rate you’ll pay for Oregon non owner SR22 insurance depends on several factors, including:
- Marital status
- Credit score
- Where you live in the state
- Your past driving record
You can find detailed information about the process of Oregon license reinstatement on the Oregon DMV website.
Look for a non owner SR22 insurance company you can trust to know all aspects of SR22 insurance. SR22 insurance is an expense that can be challenging, so you’ll want to find cheap non owner SR22 insurance Oregon. UltraCar Insurance takes care of both of these concerns for you. Start a quote now, or talk with one of our licensed agents today.
This article was last updated on March 4th, 2020 by UltraCar Insurance