An SR-22 certificate or form proves that an individual in Oregon, who has been convicted of a driving violation in the past, possesses an insurance policy that complies with Oregon’s minimum liability coverage requirements.
Violations that merit this certificate vary. Some of them are;
The explicit cost of an SR-22 in the state of Oregon is the processing or filing fee that is charged by the insurance provider for filing the form on your behalf. This fee is usually between $15 and $50.
The implicit cost, however, is of greater significance. Having to file an SR-22 classifies a driver as ‘high risk’ and as such the insurance premiums associated with such an individual would rise to account for the increased likelihood of liabilities and damage.
The cost of an SR-22 policy can still be made more affordable by looking around for cheaper, more suitable policy providers and policy before settling for any one. It would also be prudent to look out for discounts as, depending on the insurance provider, drivers can be eligible for discounts based on their vehicle types, driving record, participation in a defensive driving course and more.
What to do if you have no car or license
If you don’t have a car or license but have been found guilty of any of the relevant offences (whether inside or outside of Oregon) you would still be required to file an SR-22 with the state if you don’t have one. Until this is done, you would not be legally permitted to drive within the state.
A non owner insurance policy would also be required to provide liability coverage before your license can be approved or reinstated.
To file an SR-22 in Oregon, you would require the services of a state-licensed policy provider. However, not all policy providers file such claims; so, ensure that your provider does. For the filing of the form, the insurance provider would likely require a processing fee of $50 or less.
Upon payment of your fee, the insurance company can then file the form on your behalf. After filing, you would still have to wait until receiving confirmation from the local DMV before you can legally drive. The filing of the SR-22 form is however preceded by your purchase of an insurance policy that meets Oregon’s minimum coverage requirements. These requirements are:
If you are from another state or are moving to another state…
When moving into Oregon from another state, if you have an SR-22 from the previous state, you would be required to still maintain it while driving in Oregon. It may be necessary, though, to check with the DMV and your insurance provider to verify whether or not your SR-22 insurance policy is adequate for Oregon.
The same principle applies when you have an SR-22 in Oregon but are moving to another state.
In Oregon, the minimum time required for an offender to maintain their SR-22 filing is three weeks. The period can be extended still if the individual commits other offences in the future.
To avoid any such lapse, it is best to renew your policy days in advance of its expiration. However, if your coverage lapses, you would be required to renew it and pay whatever reinstatement fees are necessary. Until this is done, the roads would be off limits to you.
Once your state mandated filing period is up, you can contact the DMV to confirm your completion. After this confirmation, you are legally allowed to contact your insurance provider to inform them that the filing is no longer necessary.
After the filing has been cancelled, your insurance rates would go back to the standard and you are allowed to change policies if you wish.