SR-22 Insurance in Oklahoma
SR-22 rates in Oklahoma are a complex topic, but they are also a very important one for many drivers in the state. This auto insurance program, although not an actual insurance policy, is a liability form for drivers who need to use their vehicles despite a poor driving history. Because of how different auto insurance regulations are from state to state, it is very important to learn about the specific rules and guidelines that you must follow in your area. In Oklahoma, an SR22 form is not required for license suspensions within the state.
On the other hand, this does not mean that Oklahomans should not be aware of the state’s existing liability insurance rules, and other states’ programs that do include such a form. This article will aim to help Oklahoman drivers discover more information about their liability needs, as well as inform you on whether or not you may need special coverage in order to reinstate your driver’s license and legally drive in the near future.
What is Oklahoma SR22 insurance?
While determining how to get SR22 insurance in Oklahoma is important for only a select group of drivers, it can be very helpful to determine for yourself whether or not the program should apply to you. Generally, you should get SR-22 liability insurance if you have lost your driving privileges due to having one or more driving incidents, as outlined below, but only if those incidents occurred in one of the participating states outside of Oklahoma.
This could apply to Oklahomans who experience an incident while traveling or someone with a suspended license who is moving into Oklahoma. All drivers in the state are required to have up-to-date and valid driver’s licenses, which also impacts their auto insurance. Not having the requisite auto insurance when you drive can lead to insurance lapses, which can have many negative consequences on Oklahoma drivers.
Who needs SR22 insurance in Oklahoma?
Oklahoma drivers can get SR22 only in rare circumstances, but you should be aware of those circumstances in case one of them applies to you. If any of the following has occurred to you in another state and your drivers license has been suspended, you may be eligible for this special form in OK:
- Receiving many driving violations in a short timeframe or not addressing any form of traffic violation ticket for an extended period
- Being convicted of a DUI, hit and run, or any other serious driving misdemeanor or felony
- Being in a driving incident without auto insurance, or while driving an uninsured vehicle
Additionally, you could qualify for SR-22 as an Oklahoma driver if you were a part of a different driving incident that suspended your driver’s license in another state. While the Oklahoma DPS has its own liability insurance for incidents that occur within its own borders, you must also work with the applicable state’s Department of Motor Vehicles (DMV) if your accident occurred outside of Oklahoma.
Reinstating Driving Privileges with SR22
While the Oklahoma DPS does not administer these forms allowing for a driver to continue driving after an incident, it is important to know this information as someone who experienced one of these driving incidents in a different state. By going through this SR22 insurance process, you can be given a temporary driver’s license by the Oklahoma DPS, even if your current license has been suspended.
Getting your old license reinstated is a slow process, as it requires consistent payments that go to the DPS over time. However, you can usually regain your full driving privileges after one full year of this special liability coverage.
How to Get SR22 Insurance
If you have determined that you need this special insurance form, it is possible to do so from within Oklahoma. Getting SR22 insurance quotes in OK can be challenging at times, because it will require you to shop around with many different insurance companies in the state that your incident happened in. However, once you find the right insurer, they will be able to help you in filling out your form and will communicate with the proper DMV offices on your behalf in order to save you time and effort.
After being accepted to receive this coverage, you will need to make monthly payments to your insurer. However, during this time is when you should receive your temporary driver’s license, which will allow you to continue driving legally in Oklahoma until your standard license is reinstated.
Penalties for Not Filing an SR22 Form
Filing an SR22 form in Oklahoma is a very useful action for many out-of-state drivers, but it is also often required by law in some cases. If your driver’s license has been suspended, it is illegal to continue driving without taking the proper liability insurance procedures. Some of the penalties that you could receive for doing so include:
- Being fined or arrested, depending on the severity of your driving incident.
- Having your driver’s license further suspended, or even revoked.
- Getting your vehicle repossessed by the Oklahoma DPS.
In order to avoid any of these serious penalties, it is crucial to make sure that your liability insurance is covered when it is required as an Oklahoma driver.