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.