Oklahoma state law requires minimum coverage of:
- $25,000 for bodily injury or death to one person.
- $50,000 total per accident for bodily injury or death.
- $25,000 for damage to property.
Oklahoma requires the owner of a vehicle to purchase insurance and provide proof of financial responsibility. In addition, your auto lender may require you to purchase auto insurance to protect them against damage to a financed vehicle.
In Oklahoma, the tort system is used to determine who is responsible for paying accident expenses. Under this system, a driver is assigned blame for an accident and that driver is responsible for paying the other driver's accident-related expenses. The tort system also allows accident victims to sue a responsible driver for damages resulting from an accident.
Fines and Penalties
If you cannot provide valid proof of insurance, you face several penalties. They include a jail sentence of up to 30 days, a $250 fine, and suspension of your driver's license and vehicle registration. Getting your license back may require you to pay additional fines and fees.
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