Low Cost Car Insurance - SR22 Auto Insurance Oregon

Buying a Car Without a Title is a Bad Idea!

Details: Category: Auto Insurance Articles; Published: Thursday, 17 December 2015 14:26; Written by Agent Doug Hartley; Hits: 3084

You found the perfect vehicle from an online classifieds ad. You meet up with the guy, test drive the car and whip out your wallet to pay him cash. He hands you the keys and a bill of sale. But where is the title you ask. He proceeds to tell you this long story of why he doesn't have the title but promises to mail it to you once he gets the new title from the DMV or finds the old one. You take the bill of sale and give him the cash and drive away, believing the guy will be honest and send you the title. Why was this a bad idea?

First, the car could be stolen and they just stole hundreds if not thousands of dollars from you. Second, if you don't have the title you can't register the car in your name. Then, if your insurance agent is paying attention, then you shouldn't be able to list it on your policy as most insurance companies in Oregon only cover cars that belong to you. They way you prove after a loss or accident that a car belongs to you is that you provide proof the car is registered in your name. The company could deny the claim if you have put a car on your policy for which you have no proof you own. And, unfortunately, there are plenty of agents out there willing and ready to insure a car that you can't prove is yours.

Everything You Need to Know About SR22 in Oregon.

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Category: Auto Insurance Articles

Published: Wednesday, 19 February 2014 14:42

Written by Agent Doug Hartley

If you get pulled over by the cops and are ticketed for driving with no insurance you will probably have to maintain SR22 for three years. The same goes for being convicted of Driving Under the Influence (DUI). You may also be required to carry SR22 if the DMV does a random check of the insurance on a car you have registered in your name and you cannot prove you had insurance on a particular day.

An SR22 form is nothing more than a piece of paper proving you have insurance. How do you get one of those pieces of paper you ask? Check with your insurance agent or company and see if you have the type of policy which will allow the printing and mailing of an SR22 form. If not, call us at 503-693-2852. We'll be happy to quote you and help find the best rate with the SR22 certificate included. And if you haven't been suspended yet, we'll get an SR22 into your hands so you can deliver it to the Oregon DMV.