Whenever a driver has lost use of their automobile by theft, crash, forfeiture, or seizure but would like to reinstate or maintain an active license until a new car is purchased, a non-owner policy would be the way to comply with the following: 

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.

hooded figure stands beside car parked on street at night generated with Z-ImageFailure 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.

If a car insurance company fails to provide an electronic confirmation that your car is insured, you could be subject to additional investigation. A police officer may be more likely to pull you over because the plate number is not showing proof of insurance associated with your car. The DMV may select you and your vehicle in a random drawing to demonstrate on a given date that you had insurance. If you cannot prove to the Oregon DMV that you had insurance on that date, you will be required to file an SR22 certificate for three years. Many people are surprised to receive a notification card, which requires them to prove that a registered car in their driveway had insurance on a specific date.

Involved in an Uninsured Accident

Whether you were considered at fault or not at fault in an accident, if your car didn't have insurance on it at the time of the accident, you will be required to file an SR22 certificate for three years. The DMV may further impose a penalty of a mandatory one-year suspension of driving privileges of the driver involved in the accident if other serious offenses were involved such as eluding police or reckless driving. 

Applying for a Hardship License

If your license is suspended due to a conviction of a serious infraction, you can apply for what is known as a Hardship Permit. During the period of your suspension, if you are approved for the Hardship license, you may drive from home to work, in the designated geographic area, and during the approved schedule of time. If caught driving outside the location and time allowed under your Hardship Permit instructions, you may be cited and convicted of driving while suspended, and your Hardship Permit may be withdrawn. During the Hardship period, you would be required to carry an insurance policy that provides an SR22 certificate.

Any Other Reason Required

A judge can order a driver to file an SR22 whenever they deem appropriate. For example, an emancipated minor who wishes to purchase a car and obtain a driver's license might be required to provide an SR22 until they reach the age of majority.