If you operate a vehicle without having minimum liability insurance coverage, the state will suspend your license. To apply for license reinstatement, you have to buy an SR22 insurance Oregon policy and file a certificate with the Oregon DMV.
What is SR22 insurance Oregon?
SR22 is high-risk insurance, which not all companies offer. The SR22 certificate is an endorsement to an auto insurance policy. If you don’t own a vehicle, the certificate is an endorsement to a non-owner insurance policy. Your insurance provider files this financial responsibility certificate with the Oregon DMV. This filing acts as a guarantee of insurance coverage for a specific time. The state requires drivers to carry SR22 insurance Oregon for a period of three years in most cases.
The insurance company monitors your policy to make sure it stays active. If it lapses, the insurance company submits an SR26 form to the DMV. This notifies the state that you no longer have insurance coverage, which results in immediate license suspension.
Reasons people need Oregon SR22 insurance
These are the most common reasons for license suspension that lead to an SR22 insurance Oregon requirement:
- Uninsured accidents
- Child support or neglect cases
- Legal judgments
- DUI or DWI offenses
- Refusal to consent to a DUI test
- Exceeding the number of points allowed on your driving record
NOTE: If you need to reinstate your driver’s license and don’t own a vehicle, you’ll purchase a non owner SR22 Oregon certificate. For more information about non owner insurance, see Oregon Non Owner SR22 Insurance.
Non Owner SR22 vs SR22 Insurance explains the differences between owner and non owner SR22 policies.
Oregon DMV Resources
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This article was last updated on November 12th, 2020 by UltraCar Insurance