Oregon Non Owner SR22 Insurance

Oregon Non Owner SR22 Insurance

SR22 insurance is a special high-risk insurance that involves the filing of an SR22 form with a state’s DMV (or equivalent agency). The SR22 form serves as proof of insurance. If a state considers a driver to be high-risk, then the state will require that driver to keep an SR22 form on file, in order to ensure that the driver will be financially responsible if he or she is ever in an accident.

The State of Oregon requires SR22 insurance from drivers who are caught drunk driving (DUII) or caught without mandatory liability insurance. If you do not own or have regular access to a vehicle, and you have an SR22 requirement, then Oregon allows you to purchase non-owner SR22 insurance.

Oregon Non-Owner SR22 Insurance and Ignition Interlock:

If you get a DUII, you will probably be required to install an ignition interlock device in any vehicle that you drive. This also applies to those drivers who enter into diversion agreements.

In order to fulfill your ignition interlock requirement, you will need to either own or have regular access to a vehicle. Therefore, if you are under an ignition interlock requirement, you need to file owner’s SR22 insurance, not non-owner’s.

If, at the conclusion of your ignition interlock requirement, you still have an SR22 requirement, and you no longer have regular access to a vehicle, you may qualify for non-owner SR22 insurance. Be sure to talk to your insurance company about this scenario if and when it happens.

Basic Information About Non owner SR22 insurance:

  • It is liability only coverage for non owned vehicles
  • It does not cover rental vehicles
  • It does not cover commercial vehicles
  • It does not cover household vehicles
  • It does not vehicles that are frequently driven

Offenses that Result in an SR22 Filing Requirement Examples of motor vehicle violations or other situations that may warrant an SR22 insurance requirement which include:

  • Child support or neglect cases
  • Uninsured auto accidents
  • Operating an uninsured vehicle
  • Refusal to consent to a DUI or DWI test
  • DUI or DWI offenses
  • Too many points on a driver’s DMV record
  • Legal judgments