Reader’s Question:

I would like to know if Oregon have an alcohol exclusion law?

Karen

Eugene, OR

Alcohol exclusions within insurance policies allow insurance companies to deny coverage to those injured while under the influence of alcohol. Exclusions can be used to deny payment to medical payments to hospitals and doctors. Some states laws is requiring proof only of alcohol use prior to injury and others being more require proof of a causal relationship between the injury and the use of alcohol.

From my understanding Oregon now prohibits insurance companies from using alcohol exclusions. Since legislature and court rulings vary by state, to check the exact status on alcohol exclusion and what the recent changes made to the Oregon Statutes lets say specifically regarding this concern, check with the Oregon Insurance Division. You may be able to research the issue by going through the Oregon Legislature site.

Reader’s Question:

Under what situation is an SR22 required by the Department of Motor Vehicles in my state in Oregon? Is an SR-22 only required for a DUI/DWI conviction?

Amanda

Portland, OR

The reasons that an SR-22 may be required are different in various state laws and statutes. The SR-22 in many states is required to reinstate your driver’s license after a DUI or DWI conviction but also for several other reasons.

For example in your state in Oregon the Department of Motor Vehicles requires that your insurance providers file an SR-22 certificate with DMV if (not a complete list):

* You failed to show proof to DMV that you have liability insurance,
* You have been charged of driving without auto insurance,
* You have been involved in an accident and uninsured,
* You are applying for a probationary or hardship permit
* At the time of reinstating your driver’s license following a DUII suspension