Okla. Admin. Code § 670:20-13-7

Current through Vol. 42, No. 3, October 15, 2024

Section 670:20-13-7 - Liability insurance

(a)Insurance information. The owner of a motor vehicle to be registered or titled in this state must provide current liability insurance information prior to the processing of his registration, unless otherwise provided. When registering a motor vehicle, the owner must certify the existence of insurance coverage for the vehicle by providing a licensed operator or other registering agency necessary information from the current owner's insurance verification to allow confirmation of coverage through the online verification system. The licensed operator shall allow submission of such proof of insurance from a licensed insurance producer or customer service representative via electronic mail to the person registering the vehicle. The information shall include the name of the insurance carrier or identification number issued by the National Association of Insurance Commissioners to the current insurance carrier authorized to do business in this state and the policy number applicable to the vehicle being registered.

(b)Electronic insurance verification. In cooperation with the Oklahoma Department of Public Safety and the Oklahoma Insurance Department, Service Oklahoma shall provide an online electronic liability insurance verification system and instruct licensed operators in its use. No vehicle subject to electronic liability insurance verification shall be registered in this state without current insurance coverage having been verified by that electronic system, unless an exception is warranted per guidelines established by Service Oklahoma. Whenever a licensed operator grants an exception to electronic verification, the licensed operator shall maintain in his or her files, for a period of no less than two (2) years, a full record of the reason for that exception and make available for inspection by Service Oklahoma, or any other qualified requestor, documentation sufficient to justify that exception.

(c)Applicable only to motor vehicles; vehicles not in use. Only motor vehicles are subject to the liability insurance verification process described herein. Owners of vehicles not in use at the time of registration may register their vehicle upon filing a Non-Use Affidavit in a manner prescribed by Service Oklahoma.

(1) The yearly validation decal issued to the owner of a vehicle who has filed a Non-Use Affidavit in lieu of liability insurance verification will be a decal of a separate and distinct color from all other yearly decal types. It shall be the owner's responsibility to obtain insurance if such vehicle is put into service at a later time.

(2) The owner of the vehicle is not required, upon putting the vehicle back in service, to purchase another registration decal indicative of liability insurance coverage. If the owner chooses to purchase another registration decal, insurance verification will be required, as well as payment of a replacement tag/decal fee, and the insurance verification fee.

(d)Exceptions to insurance verification requirements. The following shall not be subject to insurance verification at time of registration.

(1) Any vehicle owned or leased by the Federal or State Government or any agency or political subdivision thereof.

(2) Any vehicle bearing the name, symbol, or logo of a business, corporation or utility on the exterior and which is in compliance with the provisions of the Compulsory Insurance Law according to records of the Corporation Commission which reflect a deposit or fleet policy.

(3) Any vehicle authorized for operation under a permit number from the Interstate Commerce Commission or the Oklahoma Corporation Commission.

(4) Any licensed taxicab.

(5) Any vehicle held for sale by a licensed Used Car Dealer.

(6) Applicant for a duplicate Oklahoma title, provided registration renewal is not required.

(7) Applicant for title (only) to a vehicle to be later registered under the International Registration Plan.

(8) All-terrain vehicles, off-road utility vehicles and off-road motorcycles.

(e)Exceptions to electronic insurance verification. The following are subject to insurance verification at time of registration, but exempt from the electronic verification process:

(1) Vehicles covered by commercial or fleet insurance policies.

(2) Vehicles owned by actively serving military personnel who are either Oklahoma residents stationed out of state, or out-of-state residents stationed in Oklahoma.

(f)Processing fee authorized. The licensed operator is authorized to charge a fee for processing insurance verification or a Non-Use Affidavit upon registration of a motor vehicle.

(g)Military personnel insurance verification. Members of the United States Armed Forces may furnish a vehicle insurance policy or bond from an out-of-state insurance company indicating compliance with the liability insurance requirements of the Oklahoma Vehicle License and Registration Act. If the service person is an out-of-state resident who is stationed in Oklahoma, the form must be from Oklahoma or from the service person's state of residence, as indicated on the U.S. Armed Forces Affidavit. If the service person is a resident of Oklahoma, the form must be either an Oklahoma form, or a form from the state in which the service person is currently stationed.

Okla. Admin. Code § 670:20-13-7

Adopted by Oklahoma Register, Volume 41, Issue 23, August 15, 2024, eff. 8/25/2024