Full coverage auto insurance in Oklahoma is crucial- even if your car is paid off!
Oklahoma is number one in uninsured drivers. Driving without car insurance is illegal in Oklahoma, but it is not something you can be pulled over for even if law enforcement checks your plates and can see you have no insurance. You’d have to be doing something else first, like speeding, and some state leaders want that to change.
According to a story by Fox25, “The free ride is over,” said Oklahoma Insurance Commissioner John Doak.
A nationwide study by the Insurance Information Institute puts Oklahoma at the top of the list for uninsured drivers– about 600,000 of them in the state. That means more than one out of every four drivers coming at you are not insured.
Doak says current laws don’t have enough teeth, and after the crash that killed veteran sportscaster Bob Barry Jr., Doak says he would like a push for new legislation that would make driving without insurance a stoppable offense.
“Folks have been driving in the state of Oklahoma for a very very long time– legals and illegals– without insurance,” said Doak.
Right now, the Oklahoma Highway Patrol says it does not have the technology to run an insurance check before a stop. Even if they did, troopers couldn’t use it because being uninsured is a secondary offense, but troopers say uninsured drivers are a problem.
“It is frustrating for us if people do not abide by that law. That is why it is our job to enforce or educate people about that law,” said OHP Lt. John Vincent.
If a driver is caught uninsured right now, they could get a citation, car tags taken away, or they could lose the car altogether.
“Nowadays you can actually get your vehicle impounded by not having the insurance on your vehicle,” said Vincent.
If you’re hit by an uninsured driver, you could be out of luck because you would be stuck paying at least the deductible if your insurance has to cover the cost. Not all policies come with an uninsured motorist policy, and in Oklahoma it only covers any injuries you might have, not damage to property. If you don’t carry full coverage auto insurance in Oklahoma, you may end up covering these costs yourself, even if you were not at fault in the accident.
What about towing and recovery charges?
Picture this: Your paid for car is stolen from a parking lot, and recovered later, abandoned in some woods. The police find the vehicle, determine that it’s stolen, and call for a tow truck to recover it. If you don’t carry full coverage insurance, you have to pay the recovery, towing and storage charges. With full coverage auto insurance in Oklahoma, your insurer will cover these costs in full.
It’s almost foolish not to pay a little extra for full coverage auto insurance in Oklahoma. You’re sharing the road with far too many people who aren’t taking responsibility to carry the state mandated insurance to protect those around them.