No one really wants to get SR22 insurance, but unfortunately if you have had your license suspended for any reason, then this is the exact type of insurance you need. In the state of Oregon, it is required by law for people with suspended licenses to get SR22 insurance in order to get their licenses out from under suspension. It's also necessary to carry SR22 insurance for up to 3 years after the suspension. Once the insurance company has reported to the Department of Motor Vehicles that you have an SR22 policy, your license and driving privileges will be reinstated and you will be able to drive again. The problem is that you are going to have to shop around for a company that is willing to insure you based on the circumstances of your suspension and to pay high premiums. In this article, you will learn how to file an SR22 in Oregon so that you can get your driving suspension removed.
Find insurance companies by searching the Internet. You can call around to local agencies if you are not computer savvy. In Oregon, the major auto insurance companies are Geico, AIG and Allstate. Start with these companies and explain that you need SR22 insurance. Ask their specific procedures, as each company has a different process.
Pick a reputable company that deals in SR22 insurance in Oregon. Some insurance companies will not even cover people who need SR22 insurance, so you will need to find a company that does and choose the one with the best premium rate you can find.
Work out the terms of the policy with the insurance agent. You may want specific coverage, and they can change the policy to meet your needs. Just remember that because you have to have SR22 insurance, the premium will already be high and there will be a minimum coverage amount required by law to get your license reinstated.
Get all of the paperwork and information you need for the policy. Once you have chosen a policy, you will need to fill out the paperwork and give the insurance company the information they need. In Oregon, your SR22 insurance must cover all vehicles registered in your name and all vehicles operated by you. Keep this in mind when you file. If you have vehicles registered in your name that you no longer drive, you need to sell, give away or otherwise remove your name from the registration unless you cover them under SR22 insurance.
Put the policy into effect by signing the paperwork and paying the first premium. Maintain your policy. The auto insurance company is required by law to report payment and policy lapses to the DMV in Oregon, and you can lose your SR22 insurance and possibly become uninsurable if you don't make your timely payments.
Tips & Warnings
- Make sure that the insurance company you get the policy through reports the SR22 to the Oregon DMV. They need to know you have the policy before they will lift the suspension off of your license.
- Call the Oregon DMV at (503) 945-5400 if you have specific questions that insurance agents cannot answer.
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