SR22 Insurance Oregon
Every so often someone will need an SR22 filing, also known as high-risk insurance. The SR22 is a form that is filed with the state and guarantees them that you have purchased insurance. If you should let your insurance lapse, the insurance company would promptly notify the state with a SR26 form that rescinds their SR22 form.
SR22 Insurance is typically more expensive than standard auto insurance. With the exception of the SR22 form, there is no difference in the coverages that are available to you. Some insurance companies, however, may refuse to write a policy for someone who needs an SR22 filing. Additionally, your existing insurance company may cancel your insurance if you need an SR22 while you’re insured with them.
The reasons that people get an SR22 vary, but some reasons include:
- Receive a Driving Under the Influence ticket
- Too many speeding tickets
- Reckless Driving conviction
- Too many accidents
Needing SR22 insurance is not the end of the world. Your Oregon Service agent will make the process painless and most of our companies will file directly with the state.
Frequently Asked Questions Related to SR22 Insurance
“But I don’t even own a car! Why do I need an SR22?”
This is referred to as non-owner SR22 coverage. The insurance does not cover a vehicle, but covers the driver who does not own a vehicle with a SR22 filing. Each state carriers different laws, so be sure to talk to your agent today about what you need to do if you need an SR22 filing.
Who writes SR22 Insurance?
There are several top-rated insurance companies that will write SR22 Insurance. Because we’re an independent agent, we can compare rates between them to find you the best price and coverage for your situation.
Is SR22 Insurance expensive?
Generally speaking, yes you will pay quite a bit more for SR22 Insurance. Because you’re higher risk and insurance companies base their premiums on risk, your insurance coverage will likely be higher than before you needed the SR22.
What do I do with my SR22 certificate?
You actually don’t have to do anything. Your insurance company will notify the correct departments on your behalf. As long as you pay your premiums. If your coverage lapses, they will notify the state that your coverage has lapsed and you will then no longer be able to drive until you get it reinstated.
How long do I need to have an SR22?
It depends, but often times you will be required to carry SR22 Insurance for a three year period. Check with your local agencies for your specific situation.
Can I add an SR22 to my existing policy or do I need new insurance?
Some insurance companies will not accept a driver who needs SR22 Insurance, so check with your agent. We will be able to tell you whether or not you need a new policy or can simply add one to your existing insurance policy.