What Is the Oregon Automobile Liability Insurance Reporting Program (ALIR)?

Oregon state sealThe Oregon Automobile Liability Insurance Reporting Program (ALIR) is a law that was passed by state legislators in 1993 that requires the Department of Motor Vehicles (DMV) to maintain auto insurance records. These records are to be accessible to law enforcement officers as a way of checking to see whether motorists in the Beaver State are adequately insured.

When companies licensed to sell Oregon car insurance issue a new policy or add an automobile to an existing policy, they must notify the DMV within 15 days. Additionally, the DMV must be notified within 30 days if a policy has been canceled. In 2001, a computerized system was implemented within the Beaver State to provide law enforcement access to these records at all times. This allowed for more accurate information, more frequent updates, and easier access for law enforcement officers.

The continued use of the ALIR program has allowed Oregon to remain one of the states with the lowest percentages of uninsured motorists. The Insurance Research Council estimates that in 2009 only 10 percent of drivers in OR were uninsured. The national average was about 13.8 percent.

Even though the ALIR program is in place, it is still essential for motorists to keep proof of auto insurance in their vehicle at all times. Because insurers have an allotted amount of time to report updated information, there may be some discrepancies within the system. If the information from the ALIR conflicts with insurer records, state law says that the records of the insurer shall be presumed accurate.
Oregon state flag shaped as a square
If motorists are caught operating an automobile without first purchasing bodily injury liability, property damage liability, personal injury protection, and uninsured motorist coverage, they could face various consequences. Apart from receiving a fine, motorists could have their driving privileges suspended or their vehicles towed. If convicted of driving while uninsured, the offending motorist must file an SR-22 with the DMV that demonstrates they will meet OR financial responsibility requirements for three years.

It is essential for motorists to maintain adequate coverage at all times while driving and to ensure that their insurance information is properly updated to prevent discrepancies within the ALIR. If motorists are forced to file an SR-22, they must obtain these documents from a company that is licensed to sell insurance in Oregon. Being convicted of driving while uninsured may make it difficult to find adequately priced coverage in the Beaver State.