If you get a DUI charge while driving a borrowed vehicle, you’ll need to purchase non owner DUI insurance in Oregon to reinstate your license. The state of Oregon requires vehicle owners to carry minimum liability insurance coverage of 25/50/20. However, after a DUI violation, you must carry SR22 insurance with higher minimum coverage.
Higher liability coverage for DUI insurance in Oregon
Oregon high-risk auto insurance rates are generally higher than in neighboring states. One reason for this is that Oregon requires uninsured and underinsured bodily injury as mandatory coverage. Surrounding states, such as Nevada and California, do not. The minimum coverage for standard insurance policies is 25/50/20. Minimum coverage requirements for non owner DUI insurance in Oregon are:
- BI-PD: 50/100/25 *
- UM-BI/UIM-BI: 50/100 **
* $50,000 bodily injury per person / $100,000 bodily injury per accident / $25,000 property damage.
** $50,000 uninsured or underinsured motorist bodily injury per person / $100,000 uninsured or underinsured motorist bodily injury per accident
Penalties for drunk driving in Oregon
State legislatures across the country are imposing tougher sanctions for driving under the influence of alcohol or drugs. In Oregon, if your blood alcohol concentration (BAC) is 0.08 or higher, penalties include license suspension, arrest, and jail time. You could even be charged with a felony if it is your second or third DUI conviction.
Oregon non-owner SR22 for license reinstatement
For license reinstatement without a vehicle, you’ll need to attach an SR22 certificate to a non-owner insurance policy. Non-owner insurance coverage has certain restrictions that you should be aware of. It doesn’t cover any vehicles owned by others in your household or any car you have permanent access to. Oregon non-owner SR22 insurance is liability coverage only. It covers you when driving a borrowed vehicle occasionally. The owner must properly insure any car you drive, because non-owner insurance will not cover damage to the vehicle you’re driving.
More about non owner DUI insurance in Oregon
Additional information about license suspensions and license reinstatement procedures is available on the Oregon DOT website.
The following articles on our website are also related to non-owner insurance:
- SR22 DUI Insurance
- Non Owner SR22
- Non Owner SR22 vs SR22 Insurance
- Cheap Non Owner SR22 Insurance Oregon
- Can you buy SR22 insurance without a vehicle?
Get fast license reinstatement from UltraCar Insurance with non owner DUI insurance in Oregon. Click the quote button to get started, or talk with one of our licensed agents today!
