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.

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.

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.