Insurance Center

All Oklahoma drivers and vehicle owners are required by law to carry the following minimum limits of liability insurance:

• $25,000 for injury or death of one person.

• $50,000 for injury or death of two or more persons.

• $25,000 for property damage.

You are also required by law to show valid proof of insurance to any law enforcement officer or representative of the Department of Public Safety when asked. You must also show proof of insurance to the other driver and other people involved if you get into an accident.

Penalties

If you do not have the legally required liability insurance outlined above, you may be subject to a fine of up to $250, 30 days in jail, or both. In addition, you will face suspension of your license and vehicle registration if you are convicted of failure to comply with the minimum Compulsory Insurance Law or if you fail to produce proof of insurance to a law enforcement officer or Public Safety Representative upon request.

Can't Get Insurance?

If you're having trouble getting insurance, you can contact the Oklahoma Automobile Insurance Plan. The Oklahoma Automobile Insurance Plan was created in 1950 to help provide automobile insurance to those drivers and vehicle owners who are unable to obtain auto insurance through other means.

Any insurance agent in Oklahoma who has a valid Oklahoma Property and Casualty license can write a policy for you through the OAIP program.

Uninsured Motorist

Something you can add to your insurance policy is uninsured motorist coverage. While not required by law, this insurance rider is what will protect you, members of your family, and anyone riding in your car should you be in a hit-and-run collision or if you are involved in an accident with an uninsured driver.

Not all vehicle policies will automatically protect you if you are injured in an accident that was not your fault.

Lapsed Insurance

If your vehicle becomes inoperable, it is advisable to maintain your automotive insurance. If you allow the policy to lapse, you could end up paying a higher premium when the car becomes operable again.

Any lapse in insurance coverage could result in a rate increase, regardless of the cause for the lapse. Ask your insurance agent if your plan allows for a reduced rate while your vehicle is inoperable.

Address Changes

Keep in mind, if your insurance is cancelled within 180 days from the beginning of a new policy, the insurance company is required to inform the Department of Public Safety.

The Department will then attempt to get in touch with you (or the cancelled policy owner) at the address on file and request verification of the new insurance coverage. You (or the policy owner) must respond within 30 days with proof of the new coverage or your vehicle registration and driver license will be suspended.

Therefore, it is very important to keep your address information up-to-date with the Department. If you do not, your driver license could be suspended without your knowledge and that's never a good thing!