Auto Insurance SR22 Portland Oregon OR
Reader’s Question:
My gay friend has SR22 non-owners insurance. Will these cover policy holders in uninsured vehicles? Is it considered proof of insurance if the vehicle is uninsured in Portland, OR?
Oliver
Portland, OR
Hi Oliver,
I believe it would be best for you and your gay pals to verify first that the vehicle you will be driving is insured and not just rely upon SR-22 insurance to provide the necessary vehicle coverage in Portland OR. The owner of any vehicle on the other hand, is required to insure it. Your gay friend’s non-owners SR22 policy would be secondary to that insurance. A non-owners SR-22 policy typically doesn’t contained coverage for the vehicle in terms of physical damage or other necessary coverage’s like PIP (Personal Injury Protection) UM (Underinsured/Uninsured Motorist) and/or PD
So, if you borrow a car from a friend and get into an accident in a car, your friend’s insurance would kick in first. But if, for example, the accident was your fault and the damage to the other driver’s property exceeded the liability limits on your friend’s policy, your no owner’s insurance policy would cover the excess (up to policy limits)
Typically, in most US states SR-22 insurance would NOT provide proof of insurance for an uninsured vehicle. The proof of insurance must conform to the minimum requirements in a state and the coverage contained in a non-owners SR-22 policy is typically just liability coverage. Thus, if the vehicle’s insurance policy lapsed or was not in effect, then the non-owners policy would cover the policy holder if they are in an accident, but be aware that a non-owners policy covers liability only, but not the vehicle. So, stay safe.
Tags: auto insurance, Gay Friendly Insurance, sr22 insurance