InsureSource Agencies, LLC is an insurance agency representing several top car insurance companies in the State of Oregon. We offer low cost auto insurance plans to meet Oregon minimum auto insurance limits required by the Oregon State Law. We will counsel you on these coverages and explain in detail the difference between carriers and each of the different required and optional coverages. Call us today at 503-693-2852 or visit us at www.insuresource.net for more information about our agency. This blog specifically focuses on the SR22. We answer the question of what is an SR-22. Who needs an Sr22? What happens if you let your policy cancel and you need SR22. This site should answer all your questions regarding the whole SR-22 process for the State of Oregon. Feel free to leave a comment or ask a question. We're here to help you clear up the mystery surrounding the SR-22 and guide you to where you can find one if needed.
I have lots of car insurance customers that are on an SR-22 requirement at my office in Hillsboro, Oregon. They often ask me until what date do they need to keep their SR22 filing on their auto insurance policy. My response is always the same: I don't know the exact date.
Usually, the SR22 requirement lasts for three years from the date you turn in your SR22 certificate to the DMV or the car insurance company mails it to Salem, Oregon DMV headquarters for you. That is what gets the 3 year clock ticking. After that, if the driver gets another infraction on his record for something that requires SR22, then the three years usually starts over again.
Jobs are tough to find right now. A lot of jobs require a valid drivers license. Maybe you are working or looking for a job in Oregon as a courier for a drug company or delivering pizza. Many of those kinds of jobs require you use your own vehicle and you must carry your own car insurance. Often the employer doesn't tell you when you apply for the job that the type of auto insurance you must purchase is commercial auto insurance.
Now, let's suppose you need an SR22 certificate because of some no-insurance ticket or uninsured accident. How are you going to get a commercial auto insurance policy in Oregon that allows drivers needing SR22 on the policy? You qualify for the job otherwise.
Full coverage auto insurance needs to be clearly defined. The State of Oregon requires that each car operating on the streets, roads and highways of Oregon have a minimum of four different coverages:
Property Damage Liability,
Uninsured Motorist Bodily Injury,
Personal Injury Protection.
If you need an SR-22 certificate and you own a car, those four basic auto insurance coverages are all you need to meet minimum Oregon State requirements. You can even purchase those coverages if you don't own a car on what's called a Non-Owner Policy.
When you ask for a car insurance quote and you ask for full coverage, you need to be very specific with the agent that is quoting you what "full coverage" means. It is a misconception that full coverage means that the insurance company will pay for everything. I mean everything. This is not necessarily so.
There are deductibles that have to be met. There are limitations and exclusions in the full coverage auto policy. You need to ask your agent if towing and rental are a part of the policy as traditionally we agents assume full coverage to mean just adding comprehensive and collision coverages to the basic coverages listed above. Towing and rental are usually considered "add-on" or "optional" coverages and must be requested.
You must also be clear with your agent when asking for a quote if the towing coverage is a reimbursement program or a true road-side assistance program. Under a typical towing coverage, you, the driver, pay the tow truck driver directly and then submit the bill to your insurance company. Then, the auto insurer usually only reimburses you a small portion of the bill, perhaps, $50 or $100 maximum. You are stuck paying for the rest.
A true road-side assistance option often has unlimited towing, unlock door coverage and other emergency road-side break-down assistance coverages. In this case you'd call the toll free number to the company and they would dispatch a contracted tow service to your location and cover most or all of the costs associated with the assistance.
Rental reimbursement coverages vary in limit and benefit. Be sure to ask for the details of how much per day your plan will pay for and if there is a limit on number of days the coverage extends. You also need to question under what loss or claim circumstances you can use the rental coverage. It doesn't mean it will pay for a rental car that you want to use on vacation because you don't want to put the miles on your own car.
Gap or lien holder coverage and life and accident insurance are other options that might be available on your Oregon car insurance policy.
Now, what does all this have to do with SR22 you ask? It is often misunderstood by buyers of insurance that "full coverage" is required in order to get SR22 or that it is some separate or special type of policy or endorsement. It is not! You can have basic liability only or full coverage and your agent can still provide you with an SR22 certificate. All SR22 does is show proof to the State of Oregon DMV that you have at least minimum liability on at least one car. That's it! That simple.