What is an SR22 Named Operator Policy?

An SR22 Named-Operator policy is a type of car insurance policy where only the operator or driver is named on the policy. The policy is so named because it assumes the insured driver does not own a car. It is also more commonly known as a Non-Owner Policy. There are rare circumstances in which a driver must carry an SR22 certificate to keep their driver's license active, but does not own a car.

What does an SR22 Named-Operator Policy Cover?

A Named-Operator auto insurance policy provides the same list of coverages as the Non-Owner Policy. It will cover any injuries the driver may cause to other pedestrians or passengers in another vehicle. Damage to the car or property of another is also covered on the Named-Operator Policy. Injury sustained by the driver listed under the Named-Operator Policy will be covered if someone hits him who is not insured. Also, if the driver sustains an injury in an automobile-related accident, regardless of whose fault it is, his policy will pay medical and other related expenses. There are limits for each of these coverages, and you should review the policy and coverages with an experienced, licensed, and authorized insurance agent.

When is a Non-Owner Policy Required in Oregon?

After Suspension for DUII 

At the time you are eligible to reinstate your driver's license following a conviction of driving under the influence, the DMV will require you to begin providing an SR22 certificate for a period of usually three years. This is not the case if you have been granted a diversion program. Once the program is complete, the DMV may drop the SR22 requirement.

Failure to Provide Proof

Here we're not talking about a ticket. Every car registered in the State of Oregon must have proof of minimum liability insurance. The DMV is connected electronically to each of the auto insurance companies doing business in the state.

Can I get an SR22 if I own a car?

Yes! The most common way to buy an auto insurance policy with SR22 is to insure a vehicle. Since an SR22 certificate is nothing more than proof to the DMV of Oregon that you have insurance, what better way to prove it is by covering your car. Most insurance companies will print and mail an SR22 certificate upon request when you buy the insurance. We can expedite the process by faxing or emailing the certificate directly to the Oregon DMV SR22 Unit. Usually, a minimal fee of $25 or a small percentage of the overall premium is charged to cover the additional cost the insurance company incurs for printing and mailing an SR22 certificate. It is the company's responsibility to notify the Oregon DMV if your insurance lapses or is canceled. They then have to send what is called an SR26 notice, which tells the DMV that the driver's policy has been cancelled.