First, be sure you need an SR-22. Usually, you need an insurance policy with SR22 in Oregon because somewhere along the way you have been convicted of driving with no insurance, had an accident (at-fault or not) involving no insurance, been convicted of a major infraction like DUI, or had your car randomly selected from the DMV database as not having insurance. Do any of these apply?
Then, give Pulse Insurance a call at 503-489-3143. The agents at Pulse Insurance can help you determine if you need an SR22 certificate. You can also email Pulse Insurance if you have additional questions about needing an SR22 certificate that are no answered here.
Ultimately, it is the DMV that can confirm whether you need one or not. You can call them at 503-299-9999 at their Portland, Oregon, local call number. Have your driver license or identification card number ready when you call.
Filing an SR22 can be done two ways - you can get an SR-22 from an insurance agent and hand deliver it to the DMV, or you can have one sent by the insurance company. Either way you must have a minimum of state required insurance limits. SR22's are not stand alone, and you can't get one without insurance that is in force and current. That is precisely what an SR-22 is, proof that you have at least the basic insurance coverage from a company in the State of Oregon. It is not a special type of auto insurance. You are buying the same car insurance coverage everyone else.
Are you in a hurry to get an SR-22 certificate? Then it would be best to buy your policy from a local agent; one where you can go to his or her office, buy the car insurance and walk out with a the SR22 in hand.
If you are not in a hurry, then you have more options. You can select a car insurance policy from any company, independent, exclusive or direct, that is willing to print and send the certificate electronically or through the mail to the Oregon DMV. The important factor to consider here is that waiting on the insurance company to file your SR22 may take as long as 10 days. If you need or want one sooner, you will need to do some research.
So now what? You have options for getting an sr22 in Oregon. Will you choose an independent agent who represents several companies, an agent who represents only one company (exclusive), or a direct writing insurance company (one company you contact directly either by phone or online)? Independent and exclusive agents usually have an office where you can stop by, purchase the auto insurance and leave with the certificate. Direct companies, like Esurance ®, Progressive Direct ® and Geico ®, usually do not.
If you choose/have an independent agent like Pulse Insurance, you have options:
Call the agent and ask for an SR22 to be filed if you already have insurance through his or her office.
If you don't have insurance, get a quote and make a decision to purchase. You will have two options here too with an independent agent:
1. Purchase a policy through your agent via the web/email. You must have a valid email account to use this option. This also requires you to wait for the SR22 to be filed with the DMV by the insurance company. The agent can help expedite the process by giving the insurance instructions to file the certificate as soon as possible.
2. Go into your agent's office to purchase the insurance. This option allows the agent to print and provide you with an SR22 instantly. We can do this in our office; you will walk out with an SR-22 in your hand. Make sure you ask your agent, before you buy, if he can provide you with this service.
If you choose/have a captive agent:
Call the agent and ask for an SR22 to be filed if you already have insurance through his office. Some captive agents will not file SR22s or can only provide them under limited circumstances or for a short period of time. Many will require the SR22 to be filed by the insurance company and will not be able to give you one to take to the DMV. Make sure you ask questions.
If you don't have insurance, get a quote. Go into your agent's office to purchase the insurance. Ask if your agent can print and provide you with an SR22 instantly. If not, you will have to wait for it to be filed by the insurance company.
If you choose a direct policy (no agent):
Call the insurance company and ask for an SR22 to be filed if you already have insurance.
If you don't have insurance, get a quote and make a decision to purchase. You generally only have one option here too. Purchase a policy via the web. This also requires you to wait for the SR22 to be filed with the DMV by the insurance company.
Either way, you will find that the direct insurance company doesn't have a local office where you can go and pick up the certificate. Don't be fooled by thinking a faxed or emailed certificate will be valid. Most DMV personnel will not accept a faxed or emailed copy. They look for the SR22 certificate to say "original" and have an original agent signature, or an electronic filing.