Oklahoma Car Insurance
Welcome to Oklahoma! Now, wheres your proof of car insurance?
While researching the information for this article the words from the musical Oklahoma kept running through my head over and over. Sadly, I only know parts of the first sentence of the main theme song by memory, so it got a little annoying after a bit.
Other states, such as Oklahoma, determine fault and financial responsibility down to a certain percentage. This is called comparative negligence.
When it comes times for the insurance companies to pay out for damages and other expenses, the insurance company whose driver was 80% at-fault will pay for 80% of the other driver’s damages. The other driver’s insurance will pay for 20% of the 80% at-fault driver’s damages.
Oklahoma Car Insurance Penalties
The state has recently revised the penalties and instead you could be facing:
• 30 days in jail
• A $250 fine
• Suspension of your driver’s license
• Suspension of your vehicle registration
The extent of your penalties, depends on how you were caught without insurance (pulled over vs. were in an accident) and also how the Oklahoma Department of Public Safety views your case.
Oklahoma Car Insurance Requirements
The first 25 represents $25,000 worth of medical liability coverage to pay for the medical expenses of a single person in the other vehicle. The 50 is for $50,000 of medical liability coverage combined for all parties in the other vehicle.
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