| SR-22 Information |
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| What is an SR-22? |
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An SR-22 is a certificate from an Oregon-licensed insurance company certifying that you have purchased liability insurance that meets the minimum required limits of coverage (ORS 806.070 and 806.075).
The SR-22 provides proof to DMV that you are insured. If you cancel your insurance or the insurance company cancels your policy before your suspension period is over, the company must notify DMV that the certificate is canceled. You will need to get a new SR-22 certificate on file with DMV within 30 days or your license will be suspended.
If you are asked to prove "future financial responsibility" by having an SR-22 on file with DMV, a copy of your insurance binder or your insurance card is not considered acceptable proof. Also, your insurance must cover all vehicles operated by you and/or registered in your name.
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| Filing an SR-22 Certificate |
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DMV requires that your insurance company file an SR-22 certificate with DMV if, for example:
- You failed to provide proof to DMV that you have liability insurance,
- You’ve been convicted of driving without insurance,
- You’ve been involved in an uninsured accident,
- You are applying for a hardship or probationary permit, or
- At the time of reinstating your driving privileges following a DUII suspension.
Please note that this is not a complete list of reasons an SR-22 filing would be required.
Please contact DMV at (503) 945-5400 to see if an SR-22 is a requirement you must meet.
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| Possible License Suspension |
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Oregon law requires you to keep a SR-22 in effect for 3 years from the ending date of a suspension which requires an SR-22 or for 3 years and 33 days from the date of a driving uninsured conviction. If you let it lapse for any reason, the insurance company must notify DMV. Your driving privileges will then be suspended.
If your driving privileges have been suspended because you did not get an SR-22 certificate and you later get insurance, be sure you do not drive until an SR-22 certificate is on file with DMV and your driving privileges have been reinstated. Please note that an SR-22 meets the requirements of being on file when DMV receives it. The effective date of the policy itself is not counted as the date the SR-22 was filed.
Read more information about suspensions and revocations.
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| Out of State Filing of SR-22 |
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You need to file an SR-22 with Oregon if you live out of state. Oregon records all suspensions on a national computer system. Oregon law prohibits DMV from clearing the national computer before all requirements are met, including an SR-22. Most states check the national system prior to or after issuing you a license. Most states will cancel or suspend your driving privileges if you are suspended in another state.
If you are required to file an SR-22, you need to make sure the SR-22 is with a company that also does business in Oregon, that they have your Oregon customer number to put on the SR-22, and that the SR-22 is the original, not a copy. For information on which companies in your state do business in Oregon, contact the Oregon Consumer and Business Services Insurance Division at (503) 947-7980.
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