Is an auto insurance policy with an SR22 different from regular insurance?

No. Every personal car insurance policy in Oregon must meet certain minimum limit and coverage requirements. Having an insurance policy with SR22 simply means your insurance agent clicked a little box that printed a certificate along with the application, receipt, insurance identification cards, and other documents that are attached to the application and policy.

Does every auto insurance company in Oregon offer SR22 certificates?

No. Some don’t want to get involved with printing and mailing or emailing SR22 certificates to the Oregon DMV and then sending an SR26 certificate canceling the SR22 if you let your policy cancel. Other companies that offer that service will charge you a fee and/or increase your premium to cover the costs associated with communicating with the DMV.

What would cause the need for an SR22?

If you get pulled over by the cops and are ticketed for driving with no insurance, you will probably have to maintain SR22 for one year. The exception might be that you go to court and are successful at disputing the no-insurance violation and the judge dismisses the ticket altogether. The same goes for being convicted of Driving Under the Influence (DUI).

In summary, an SR22 form is nothing more than a piece of paper proving you have insurance. How do you get one of those certificates, you ask? Check with your insurance agent or company to see if you have a policy that allows for 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 and email an original certificate to the main DMV office in Salem.