There are many reasons why you might need to file an SR 22 in the state of Oregon including reinstating your license after a DUI suspension or driving without insurance. This form is easily attainable but often misunderstood. I will review why the form is needed, how to obtain the form and for the lowest price possible.
Let’s first look at what an SR-22 filing is and why the state of Oregon requires you have one. Simply put an SR22 is a certificate that shows you have purchased liability insurance that meets or exceeds the state’s minimum required limits. Oregon requires each driver to have at least $25,000 per person and $50,000 per accident bodily injury coverage on their policy to meet state minimum levels. This basically states that if you injure someone in an accident your insurance will pay up to $25k for one person and no more than $50k for the entire accident. This is a very low level of coverage and most insurance agents will recommend higher limits. The SR 22 is provided by an insurance company licensed to operate in Oregon and usually costs $25 to include on your auto policy.
Once you have acquired the SR22 filing the insurance company will notify the department of motor vehicles electronically to post on your driving record. Oregon law requires you to maintain this filing for 3 years from the end date of a suspension. Keep in mind if you cancel the insurance during this period of time the state can start your suspension period over and require you to maintain this insurance for the next 3 years. This form shows to the state “future responsibility” and guarantees you have state minimum liability limits.
Below is a checklist of what you need to fulfill your requirements with the state of Oregon:
File an SR22 with a local insurance company
Get at least state mimimum liability limits of $25k per person
Keep this insurance in force for the required time period or face more penalties
Continue to carry the insurance in Oregon even if you move to another state
No you know what an SR22 is and why you need it let’s try to find the cheapest possible policy available. In order to use your time wisely I would recommend using an online insurance quote company which can provide multiple quotes in minutes. This will save you the time of contacting companies separately and it only takes five minutes.
Get cheap SR22 insurance quotes. Get your Oregon license reinstated and pay the least amount of money possible.