SR22 is a high-risk insurance certificate that the state may require to reinstate your license. If you don’t have a car to insure, an insurance provider can issue a non-owner policy with an SR22 endorsement. UltraCar Insurance will find you a cheap non owner SR22 insurance Oregon rate and file quickly to reinstate your driving privileges.
Why do people need non owner SR22 insurance?
People have 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 certain legal judgments.
You can also buy Oregon non owner insurance without an SR22 endorsement. It provides secondary liability coverage when you occasionally drive a borrowed vehicle. This type of coverage shows financial responsibility. It also provides continuous coverage if you buy a car in the future, which can help reduce your insurance rate.
What does non owner SR22 insurance cover?
Non owner SR22 is a liability-only policy that insures you when driving a non-owned vehicle. Cheap non owner SR22 insurance in Oregon is secondary insurance. So, whenever you drive someone’s car, confirm the owner has current insurance. If you cause an accident while driving it, your SR22 insurance policy typically covers claims that exceed the vehicle owner’s primary insurance coverage. Coverage depends on the terms, exclusions, and available liability limits of the primary and secondary insurance policies. (See ORS 742.)
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 you regularly drive.
- Ask your insurer whether your policy provides liability coverage for a rental vehicle. Rental liability and coverage for damage to the rental car are separate. Ask about any commercial or work-use exclusions before you drive.
Minimum liability coverage requirements in Oregon
Oregon’s standard liability limits are $25,000 per person and $50,000 per crash for bodily injury or death, plus $20,000 for property damage per crash. If you need an SR22 after a DUII conviction covered by ORS 806.075, the limits are $50,000 per person, $100,000 per crash and $10,000 for property damage per crash. Those limits apply for three years from the date the first filing is required. Ask your insurer about any separate personal injury protection and uninsured motorist requirements for your policy.
How much does cheap non owner SR22 insurance in Oregon cost?
The rate you’ll pay for Oregon non owner SR22 insurance depends on several factors, including:
- Age
- Gender
- Marital status
- Credit score
- Where you live in the state
- Your past driving record
You can find detailed information about Oregon license reinstatement on the Oregon DMV website.
Look for a non owner SR22 insurance company you can trust to understand all aspects of SR22 insurance. SR22 insurance can be expensive, so you’ll want to find cheap non owner SR22 insurance in Oregon. UltraCar Insurance takes care of both concerns. For affordable quotes, talk with one of our agents or click the quote button today!
