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SR-22 Information

Overview

People talkingThis page provides information about SR-22 certificates. 
 
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Definition
An SR-22 is a certificate from an Oregon-licensed insurance company, an eligible surplus lines insurer as defined in ORS 735.405, or a risk retention group as defined in ORS 735.305. The insurer certifies on the SR-22  that you have purchased liability insurance that meets the minimum required limits of coverage and files the certificate with DMV. An SR-22 is proof of "future responsibility" and is posted to your driving record.

Examples of When an SR-22 Certificate is Required and How Long
Even if you do not own a vehicle, you must file an SR-22 when required. The following provides examples of the most common reasons Oregon law requires an SR-22. The SR-22 is required for three years from the beginning of the requirement, except for purposes of a hardship or probationary permit.
  • You’ve been convicted of driving without insurance. The SR-22 requirement begins as of the conviction date. 
  • You are the owner of a registered vehicle selected in the Mandatory Insurance Certification program and DMV was unable to verify your insurance.  The SR-22 requirement begins 60 days after the demand letter sent to the first registered owner. 
  • You are the owner of a vehicle that was uninsured at the time of the accident. The SR-22 requirement begins as of the accident date.
  • You are completing a mandatory suspension that by law requires an SR-22 after the suspension period ends; you must file an SR-22 if you want to reinstate driving privileges.  The SR-22 requirement begins on the end date of the suspension. The following suspensions are the more common mandatory suspensions which require an SR-22 for reinstatement, but there are many others:
    • Driving uninsured at the time of an accident;
    • DUII; or
    • Reckless driving.
  • You are applying for a hardship or probationary permit. The SR-22 requirement begins when you apply for the permit and ends when the permit ends.
Note: This is not a complete list of reasons why an SR-22 filing would be required.
 
Please contact DMV at (503) 945-5000 to see if an SR-22 is a requirement you must meet.
 
Possible License Suspension
Your driving privileges will be suspended if you are required to have an SR-22 on file with DMV and you fail to have an SR-22 filed.
 
If you are required to prove "future responsibility" by having an SR-22 on file with DMV, a copy of your insurance card is not acceptable. An insurance card is required by law to be carried in any vehicle operated on Oregon highways; an SR-22 certificate is required by law to be filed with DMV and is posted to your driving record. 
 
DMV monitors compliance of your SR-22 requirement. If you let it lapse for any reason, the insurance company must notify DMV and 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 filing is made on the date it is received by DMV if it is received during regular business hours. An SR-22 filed with DMV must be an original, not a copy.
 
Read more information about suspensions and revocations.

Out of State Filing of SR-22
You need to file an SR-22 certificate with Oregon if you live out of state and have an SR-22 requirement in Oregon. Oregon records all suspensions on a national computer system. Oregon law prohibits DMV from clearing the national system before all requirements are met, including an SR-22 filing. Most states check the national system prior to, or after issuing you a driver license. Most states will cancel or suspend your driving privileges if you are suspended in another state. 
 
To find out if your insurance company also does business in Oregon, contact the Oregon Insurance Division at (503) 947-7984 or toll free at 1 (888) 877-4894. You can also visit www.insurance.oregon.gov.

Related Information
Additional information that may be relevant includes: