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Drivers trying to reinstate their driving privileges after a serious traffic violation, including driving without insurance, must have their insurance company file an SR‑22 Form, a “certificate of future financial responsibility,” with the Oregon Department of Motor Vehicles (DMV) prior to license restoration. This filing requires maintenance for …3 days ago · Comprehensive auto insurance is designed to help you pay for damages to your vehicle that aren’t caused by an accident, including theft, fire, storms, vandalism, or hitting an animal. It is an option available with all major auto insurance carriers. The biggest advantage of comprehensive car insurance is that it covers unusual situations that ...Apr 22, 2005 · Abstract. In some occasions, claim frequency data in general insurance may not follow the traditional Poisson distribution and in particular they are zero-inflated. 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