Proof of Financial Responsibility & Penalties
Under Oklahoma law, you must provide documentary proof of Financial Responsibility in the following circumstances:
- At the request of a law enforcement officer at the time of an accident or traffic stop
- When registering a vehicle or renewing registration
- When obtaining a driver's license
To ensure drivers continue to meet the Financial Responsibility requirements, Oklahoma requires insurance companies to notify the Department of Public Safety if the person's insurance is canceled within 180 days from the beginning date of a new policy. The Department of Public Safety will then contact the person or the owner of the canceled policy for proof of insurance at your address on file giving thirty (30) days to contact the Department of Public Safety and verify that you have valid insurance coverage.
All insurers writing automobile liability coverage in Oklahoma are required to report to the Department of Public Safety whether a vehicle is in compliance with Oklahoma's compulsory liability insurance law via an online insurance verification system.
Penalty for Failure to Comply with Oklahoma's Financial Responsibility Requirements:
Failure to maintain proper insurance could lead to the suspension of your license and vehicle registration. You may face a fine of up to $350, thirty (30) days in jail, or both.
Affidavit of Non-Use:
You may file an Affidavit of Non-Use, available from the Oklahoma Tax Commission, for a vehicle that will not be used on public roads for a period of time, in lieu of maintaining insurance on the vehicle.
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