Oh my yes! If you have purchased a Non-Owner Auto Insurance Policy from an insurance company in Oregon, in almost every case, you can convert your policy to an Owner Operator Policy, or, in other words, a regular auto policy. Be careful, though. There are two things you need to consider. Cost and convenience. Some companies will charge a lot more for the car owner's policy. The prices will vary from car to car. Every car now has its price. The days of the one policy fits all are over. Sophisticated computer systems and statistical analysis allow insurance carriers to break down the cost of insurance by the actual model of car you have and its unique features. Also, consider convenience. Most companies will allow you to convert the policy by a simple endorsement or policy change. Others require you to cancel the Named Operator Policy and rewrite a new one. This may cost you a new down payment and require you to complete a whole new application.

Not many Oregon insurance agencies sell the Non-owner Policy. We are professional, licensed producers who commit to providing the same service to our single-policy customers as our long-term, multi-policy clients.

You open a letter from the Oregon Department of Motor Vehicles. It says you were convicted on such-and-such a day for some infraction and that you must provide them with an SR22 Certificate. You discover that an SR22 filing requires that you have insurance. Because that's what an SR22 is: Proof of Insurance for the DMV! But you don't own a car. You were convicted of some ticket or infraction, driving someone else's car, or you don't have the vehicle anymore in which you got the ticket. Maybe you crashed it, and it's now in a junkyard. What do you do now? And what is it that brought you the SR22 requirement in the first place?

If you are required to submit an SR22 and you don't turn one in, your license will be suspended. The Oregon DMV sends out a letter once the court notifies them that you were convicted of a particular ticket needing SR22. The first letter serves as a warning that you need to submit one by a specific date. If you fail to meet the requirement by that date, the DMV will send a very lengthy letter giving you exactly 30 days to turn in the SR22 certificate. The letter will state the exact date when your license will be suspended. Be careful because the date on the letter is set at 12:01 am. That means if you reached the date of suspension, it's already too late. You've got to turn one in before that date. Also note that the Oregon DMV offices close often for holidays, weekends, and furlough days.

The Department of Motor Vehicles of Oregon requires you to buy auto insurance that will offer an SR22 filing to be turned in to them if you were convicted of certain driving infractions. The authentic certificate must have specific data items. Your name, address, and driver's license number are critical to appear on the Oregon SR22 form. Additionally, the auto insurance company's name, policy number, and effective date must be listed. There is one item that can be different depending on whether you buy a policy that covers a car you own or covering just your license with a non-owner policy. A box will be checked to indicate that you own a car, listing at least one by year, make, and vehicle identification number (VIN). If you don't own a car, the box will be marked for a Named Operator Policy.

No. You should NOT buy a Non-Owner Policy if you own a car or are a co-owner of a vehicle. If you need an Oregon SR22 and are listed on the registration of any vehicle anywhere, you should buy a regular Owner-Operator policy and list that car. That company can then issue the SR22 for Oregon. If your current auto insurance carrier won't issue an SR22 filing, call us. You might just be surprised at how much money we can save you, even if you need an Oregon SR22. To complete a quote request for a regular car policy with SR22, click here and uncheck the "Do you only need a Non-Owner Policy?" question. The exception to this rule is if your vehicle is broken down and not drivable. We can sell you a Non-Owner Policy, provided you convert it to an Owner-Operator policy once you've repaired your car and before you start driving. Otherwise, there will be no coverage. No clause gives you 30 days, for example, to put it back on. You will NOT be covered until you put the car back on the policy.