If you need to reinstate your license and don’t own a vehicle, you’ll have to file a non owner SR22 Oregon certificate with the state DMV. An SR22 is a financial responsibility form. When your insurance agent files this document with the Oregon DMV, the state restores your driving privileges.
How does non owner SR22 Oregon work?
Depending on each case, Oregon usually requires people to carry SR22 insurance for three years. The insurance underwriter monitors the policy that’s tied to your SR22 document to make sure it’s current. If your policy lapses during this time, the underwriter notifies the Oregon DMV. When the state receives notice that you’re no longer insured, it suspends your license again.
Even if you move to a different state, you still need to maintain your SR22 policy until Oregon no longer requires it.
What does non-owner insurance cover?
Non owner SR22 Oregon covers you when driving a vehicle owned by another person. Non-owner insurance coverage is for infrequent driving of a borrowed vehicle that’s not owned by someone in your household.
What if you cause an accident while driving a borrowed car? The vehicle owner’s primary insurance always pays claims first, up to its coverage limits. Your SR22 policy then covers any claims that may remain. Make sure that any vehicle you drive has insurance coverage. You should never drive a car if it doesn’t. That’s the law.
UltraCar Insurance specializes in providing non owner SR22 Oregon insurance. Our licensed agents provide accurate advice, fast non owner SR22 insurance quotes and quick filing. We make sure to offer the best insurance option for your needs and budget. Click the quote button now or call today to consult with an agent.
This article was last updated on August 31st, 2020 by UltraCar Insurance