Auto Insurance required by your employer or by the DMV, but you don't own a vehicle? Many insurance companies and insurance agencies will not write what is usually referred to as "Non-Owner" insurance policies. They are difficult to price and can be difficult to understand. Probably the most important thing to remember is that coverage provided by these policies is best considered secondary coverage.
Oregon requires that for a vehicle to be currently registered, viewable by the public (yes, that includes sitting in your driveway), and/or driven on the roads, the owner must have insurance on that vehicle. The car, not the driver is required to be insured.
Just got a call from a police officer who has a gentleman pulled over. The officer was looking at the registration card the driver provided and in the police computer connected to the Oregon DMV and both sources clearly show the driver to be the registered owner. The problem is the owner of the vehicle had purchased a NON-OWNER POLICY. It doesn't cover a car owned by the insured. A non-owner policy only covers the driver while driving other people's cars on a secondary basis. It is not meant to be a BROAD FORM POLICY available in some states which covers the driver in ANY car, owned or not. And the officer stated that the driver had a suspended license. Both the suspended license and the uninsured vehicles are cause for the arresting officer to have his car towed and to confiscate the license.
If you are on SR22 Non-owner policy and own a car, convert the policy IMMEDIATELY to an OWNER-OPERATOR policy. Put the car on the policy! And, if you are required to carry SR22 on a policy, please check periodically with the Oregon DMV to be sure your license is not suspended. It could be they threw out his SR22 on his Non-owner Policy as invalid because the DMV saw that he owned a car. There may be other reasons for the suspension such as unpaid fines or child support, unpaid reinstatement fees and additional driving while suspended tickets while on hardship permit.