In the state of Oregon, if you have a serious violation on your driving record, you may be required to obtain an SR-22 in order to avoid license suspension. SR-22 insurance in Oregon is a certificate that proves the driver carries the minimum liability insurance coverage required in the state. It is not a true form of insurance, but rather a special form of proof of insurance.

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What is SR-22 insurance?

Oregon drivers are legally required to purchase an SR-22 if they have certain negative marks on their driving record. SR-22s are also required when a driver loses their license for any reason. Some situations where a driver might need to purchase an SR-22 in Oregon include:

  • Getting charged with a DUI/DWI
  • Getting charged with reckless or negligent driving
  • Having multiple traffic violations or accidents in a short period of time
  • Getting convicted of driving without insurance
  • Applying to reinstate driving privileges after a license suspension
  • Applying for a hardship or probationary permit

In some cases, a driver in Oregon may not automatically lose their license after a serious violation. However, they may lose their license if they do not have an SR-22 on file by the required deadline.

For example, if a driver is caught without car insurance, they may be required to have an SR-22 starting on the date of conviction. For drivers who lose their license and want to reinstate their driving privileges, the SR-22 requirement typically starts on the end date of the suspension. Out-of-state drivers who are required to carry an SR-22 in Oregon may not obtain a license from another state until they file one in Oregon.

The Oregon Department of Motor Vehicles (DMV) does not disclose how long drivers must file an SR-22 for, but in many states, SR-22 insurance stays on a driver’s record for three years, depending on the severity of the violation.

Non-owner SR-22s for Oregon drivers

Drivers who need SR-22 insurance but do not own a vehicle are typically required to purchase non-owners insurance. For instance, if a driver borrows their friend’s car to drive home from a bar, and they get pulled over for a DUI. In this case, the driver would likely be required to purchase non-owners insurance and file an SR-22 with the state.

Non-owners insurance provides bodily injury and property damage liability coverage. It covers the driver’s legal and financial responsibility in the event that they cause an accident in a borrowed vehicle. Non-owners insurance may be purchased from insurance companies that specialize in high-risk insurance.

Drivers should know that non-owners insurance does not typically offer any protection for the vehicle they are driving. If a driver caused an accident in a borrowed vehicle, they would likely be responsible for paying for the vehicle’s damages out-of-pocket.

Cost of SR-22s in Oregon

The cost of SR-22 insurance in Oregon may vary based on the company that issues it. The cost to file an SR-22 with the state is typically fairly low, but the cost of the insurance policy associated with the SR-22 may be quite high as drivers with DUIs and other severe driving infractions typically pay some of the highest average auto insurance rates.

For example, after a DUI, the average cost of a full coverage car insurance policy increases by over $1,600 per year. In addition, drivers who get their license suspended are required to pay a $75 reinstatement fee to the Oregon DMV.

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