Minimum Car Insurance Requirements In Oklahoma?

Answer 1

Oklahoma driving laws make it mandatory for all drivers operating an automobile to have minimum valid car insurance coverage. Law enforcement persons are authorized to ask for proof of valid car insurance when any driver is stopped.

All Oklahoma drivers are required by law to carry the minimum car insurance limits of liability as determine by the State.

The minimum liability coverage for car insurance for Oklahoma driver is as follows:

• at least $25,000 for injury of a single person
• at least $50,000 for injury of more than one person in a single accident
• at least $25,000 in property damage liability for the other vehicle and other immovable objects, including buildings, fences, street signs and more

Lapsed car insurance is strongly discouraged in Oklahoma. When it was discovered that drivers were obtaining insurance policies in order to register their cars, and then canceling their policies to avoid the cost, strict regulations and stiff penalties were enacted. The car insurance companies are required to report to the Oklahoma Department of Public Safety and the Department of Motor Vehicles when an insurance policy is canceled within 180 days of its start date.

If the Oklahoma Department of Public Safety is notified that a driver has canceled their policy, the driver will be contacted at their address on file and requested to verify that a valid car insurance coverage policy is in effect. If that proof is not received, the Oklahoma Department of Public Safety will suspend your registration and your driver's license. If you are then picked up by the police, who work for the Department of Motor Vehicles, you will face further penalties including uninsured driver penalties and in some cases loss of your vehicle and jail time.

Keep in mind that car insurance companies do consider lapses in car insurance coverage when determining your relative level of risk, which in turn determines the rates you pay for insurance. Car insurance providers prefer to see insurers without periods of lapsed car insurance. So, despite the relative cost of premiums, it's typically better to play by the rules and protect yourself and others with adequate car insurance.