If you’re applying for license reinstatement and don’t own vehicle, you’ll need to buy an Oregon non owner SR22 insurance certificate. SR22 is a financial responsibility form that’s attached to a non owner insurance policy and filed with the Oregon DMV.
This filing does two things: 1) it makes you eligible for Oregon license reinstatement after paying any required fees, and 2) the certificate is monitored for a period of time assigned by the state to make certain it doesn’t lapse. If your policy lapses or is canceled during that time period, your insurance provider submits an SR26 form that notifies the state of non-compliance. This will cause your license to be suspended once again.
How does Oregon non owner SR22 insurance work?
Oregon non owner SR22 insurance is liability-only insurance that covers one person (you) when you drive a non-owned vehicle on occasion. It serves as secondary insurance if you’re involved in an at-fault accident. The primary insurance of the registered vehicle owner pays claims first. If claims exceed those coverage limits, your SR22 insurance will cover remaining claims related to the accident.
Oregon non owner SR22 insurance is usually required for a period of three years. If you purchase a vehicle registered in your name during this time, you can convert your non owner SR22 policy to an owner SR22 policy. Depending on the make, model and year of the vehicle your premiums will likely increase, so it’s a good idea to talk with your insurance provider to be sure you can afford the higher payments.
Situations that may require you to carry Oregon non owner SR22 insurance
- Child support or neglect cases
- Uninsured auto accidents
- Operating an uninsured vehicle
- Refusal to consent to a DUI or DWI test
- DUI or DWI convictions
- Too many points on your DMV record
- Legal judgments
Features of Oregon non owner SR22 insurance
- Non owner insurance is liability-only insurance that covers only you
- You are not covered when driving commercial, rental or employment-related vehicles
- Non owner SR22 does not cover you if you drive vehicles owned by others in your household
- You’re not covered to drive a vehicle to which you have frequent access
UltraCar Insurance specializes in providing Oregon non owner SR22 insurance. We offer low SR22 rates and quick filing of your certificate. Talk with one of our agents if you have questions, or click to start a quote now!
NOTE: If you own a vehicle and need an SR22 filing, see SR22 Insurance Oregon.