Oregon Non Owner SR22 Insurance

Oregon SR22 Insurance

Oregon SR22 Insurance –  An Oregon SR22 certificate, also known as a certificate of financial responsibility or SR22 insurance, must be filed with the DMV as proof that a driver has active insurance coverage for his vehicle or vehicles.  The driver will have to obtain this certificate from an insurance company licensed in in the state of Oregon.  On the SR22, the insurance company will certify that the driver has purchased the minimum liability coverage required by law.  The Oregon SR22 insurance must be in place for three years from the end date of your suspension. If you have been convicted of driving without insurance it is required for 3 years and 33 days from that conviction date. An SR-22 is required in Oregon after the following:

  • Failure to drive with proper insurance
  • Involvement  in uninsured accident
  • Hardship license or probationary permit application
  • Driving under the influence of intoxicants (DUII)

Oregon Liability Insurance Requirements

The state of Oregon requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:

  • $25k Per Person Bodily Injury
  • $50k Per Accident Bodily Injury
  • $10k Property Damage
  • $15k Personal Injury Protection

While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.

Driving Under the Influence of Intoxicants (DUII) in Oregon

It is unlawful to drive a motor vehicle in Oregon while under the influence of alcohol and/or a controlled substance. The arresting law enforcement officer will ask you to take a test to determine your blood alcohol concentration (BAC). If the BAC is .08% or higher you have failed the test and your license will be taken immediately. For drivers under age 21 any level of alcohol in the body will fail the BAC test. What if I refuse to take the breathalyzer test? When you received your driver’s license you gave consent to a test of your breath, blood or urine to determine BAC. If you refuse this test your license will be suspended for a period of one year or if you have  prior alcohol offenses on your driving record it will be three years. How long is a suspension for first time DUII offenders? If you take the breath test and fail it with a .08% BAC or higher your license will be suspended for 90 days. If there are any prior alcohol offenses on your record within the last 5 years your suspension will be one year.