SR-22 Insurance in Oregon and Washington
Every so often someone will need an SR-22 filing in Portland, OR, also known as high-risk insurance. The SR-22 is a form that is filed with the state and guarantees them that you have purchased insurance. If you should let your insurance lapse, the insurance company would promptly notify the state with a SR-26 form that rescinds their SR22 form.
SR22 Insurance is typically more expensive than standard auto insurance. With the exception of the SR-22 form, there is no difference in the coverages that are available to you. Some insurance companies, however, may refuse to write a policy for someone who needs an SR22 filing. Additionally, your existing insurance company may cancel your insurance if you need an SR-22 while you’re insured with them.
The reasons that people get an SR-22 vary, but some reasons include:
- Receive a Driving Under the Influence ticket
- Too many speeding tickets
- Reckless Driving conviction
- Too many accidents
And more.
Needing SR22 insurance is not the end of the world. Your Milt Marcy agent will make the process painless and most of our companies will file directly with the state. You can even often leave our offices directly with an SR22 form.
“But I don’t even own a car! Why do I need an SR22?”
This is referred to as non-owners SR22. An SR22 does not cover a vehicle, but is a form for a driver who holds a driver’s license. Each state carriers different laws, so be sure to talk to your Milt Marcy Insurance agent today about what you need to do if you need an SR22 filing.