OAR 735-050-0080
Financial Responsibility Verification Program
(1)
DMV randomly selects motor vehicles for financial responsibility verification. The total number randomly selected each year will not exceed ten percent of the motor vehicles registered in Oregon that are subject to verification.(2)
In addition to randomly selecting motor vehicles under section (1) of this rule, DMV may select persons for verification of financial responsibility requirements if:(a)
A vehicle is registered to a person who has been convicted of violating ORS 806.010 (Driving uninsured prohibited);(b)
A vehicle is registered to a person who has submitted certifications of compliance with financial responsibility requirements that have previously been found to be incorrect; or(c)
DMV has reasonable grounds to believe that the person is in violation of financial responsibility requirements. DMV’s determination of reasonable grounds is based on one or more of the following:(A)
Written statements from police, insurance carriers, insurance producers (agents), and the public;(B)
Any admission to DMV by the owner of an Oregon-registered vehicle that the vehicle is not insured;(C)
Receipt by DMV of any record from another jurisdiction that the owner of any Oregon-registered vehicle was convicted of driving uninsured, regardless of the vehicle driven at the time of offense;(D)
Receipt by DMV of any record from another jurisdiction indicating that an Oregon-registered vehicle was driven without insurance, regardless of who was driving the vehicle;(E)
Statements made during an administrative hearing by a driver or owner of a vehicle that the Oregon-registered vehicle was driven while uninsured;(F)
No record of submission from an insurance carrier, pursuant to ORS 742.580 (Report of cancellation, nonrenewal or issuance of motor vehicle liability policy), 806.195 (Information submitted by insurers) and OAR 735-050-0131 (Oregon Automobile Liability Insurance Reporting (ALIR) Requirements), that a motor vehicle liability insurance policy has been issued; or(G)
No record of submission of proof of compliance with financial responsibility requirements following a reportable accident pursuant to ORS 811.725 (Driver failure to report accident to Department of Transportation).(3)
DMV will use a written statement as identified in section (2)(c)(A) of this rule as a basis for a financial responsibility notice of verification only if the person making the statement does all of the following:(a)
Signs and dates the request;(b)
Identifies the vehicle that the person believes is being operated in violation of financial responsibility requirements; and(c)
Explains why the person believes the vehicle is being operated in violation of financial responsibility requirements and includes facts that would cause a reasonable person to believe the vehicle is being operated in violation of financial responsibility requirements.(4)
DMV will send all registered owners of a selected motor vehicle a notice of verification that the selected vehicle was insured on a specified date. The request for verification will explain that within 30 days of the date DMV sends the notice of verification, at least one registered owner must respond to DMV’s notice of verification by:(a)
Certifying that, as of the date specified in the notice, the selected vehicle was in compliance with financial responsibility requirements as described in ORS 806.060 (Methods of compliance) and 806.080 (Insurance); or(b)
Filing an SR-22 insurance certificate.(5)
DMV will suspend the driving privileges or right to apply for driving privileges under ORS 806.220 (Failure to file after failing verification)(1)(a) and 809.415 (Suspensions for conduct involving judgments, financial responsibility, dishonesty)(3)(a) of any person who fails to make a future responsibility filing by failing to provide sufficient proof of compliance with financial responsibility requirements. Failure to provide sufficient proof of compliance includes but is not limited to:(a)
Failing to respond to DMV’s notice requesting verification within 30 days of the date DMV sends the notice, as required by section (4) of this rule;(b)
Responding to DMV’s notice of verification in a manner leading DMV to determine the vehicle was not in compliance with financial responsibility requirements as of the date of the notice of verification; or(c)
Falsely certifying proof of compliance with financial responsibility requirements.(6)
DMV will withdraw the notice of proposed suspension of all registered owners of the selected vehicle upon receipt of proof of compliance from any of the registered owners.(7)
DMV will forward proof of compliance submitted by a registered owner to the listed insurer for the purpose of requesting verification that the proof of compliance provided is correct.(8)
If the information provided by the person is not correct, the insurer must respond to DMV’s request to verify the registered owner’s proof of compliance within 30 days of the date DMV sends the request to the insurer.(9)
DMV will issue a Notice of Suspension to all registered owners of the vehicle upon DMV’s receipt of notice from an insurer demonstrating that the proof of compliance with financial responsibility requirements under ORS 806.150 (Department verification program) and 811.725 (Driver failure to report accident to Department of Transportation) is not correct.(10)
A person who is initially denied coverage by an insurer may provide DMV with additional proof of compliance in the form of an official statement, written on the insurance company’s letterhead and signed by an authorized employee of that insurer, indicating the vehicle was covered as of the date of the verification request.(11)
A person who fails to make a future responsibility filing after failing verification or who falsely certifies compliance with financial responsibility requirements is entitled to a pre-suspension hearing in accordance with ORS 809.440 (Hearing and administrative review procedures)(1) and 809.415 (Suspensions for conduct involving judgments, financial responsibility, dishonesty). If no pre-suspension hearing is held, a person may be entitled to a post-imposition hearing in accordance with OAR 735-050-0090.(12)
DMV may withdraw an SR-22 requirement for a person who responds to DMV’s request for verification in a manner leading DMV to determine the selected vehicle was not in compliance with financial responsibility requirements as of the date of the notice of verification, or who was denied coverage by an insurance company, if DMV determines that there is sufficient reason for the vehicle not to be covered by insurance on the date specified on the request. Sufficient reason includes, but is not limited to:(a)
The vehicle is covered by a valid liability policy but the policy only covers the vehicle for a specified period or is limited based on mileage;(b)
The vehicle was removed from an insurance policy during a period of extended storage; or(c)
The vehicle is not operable for an extended period that includes the date specified on the request for verification.(13)
DMV’s Withdrawal of an SR-22 requirement under a condition described in section (12) of this rule must be supported by:(a)
Documents from the insurance carrier indicated in the owner’s response to DMV’s request for verification;(b)
A signed, written statement on the insurance company’s letterhead from an employee of the insurance carrier described in the owner’s response to DMV’s request for verification;(c)
Documents, including pictures of the vehicle or receipts from an auto-part store or mechanic, which demonstrate the vehicle was undergoing repairs; or
Source:
Rule 735-050-0080 — Financial Responsibility Verification Program, https://secure.sos.state.or.us/oard/view.action?ruleNumber=735-050-0080.