Driving Without Auto Insurance Lawton, Oklahoma OK

Reader’s Question:

My 16 year old daughter was pulled over in Lawton, Oklahoma and got a ticket for driving the car with no proof of insurance. The vehicle belonged to someone else. Are we responsible for the traffic ticket and will this affect our car insurance?

Lory

Lawton, OK

According to the Oklahoma driver’s manual the Oklahoma has strict laws about having valid car liability insurance. All OK motorist and/or car owners are required by law to carry the minimum limits of liability for this state.

Whether this type of citation on your daughter’s driving history will affect your insurance premium rate is up to the rating system that your insurance company has in place. Driving uninsured is usually a major violation but since the vehicle your daughter was driving in without car insurance was not a vehicle that she would normally have insurance on since it was not owned by her and she did not have insurable interest on it then your insurance carrier may consider it to be minor. Your car insurance agent could inform you about your insurance carrier’s rating system and if your daughter’s ticket will affect your car insurance rates in any way.

To obtain more information on OK insurance law you can contact the OK Department of Public Safety or OK Insurance Department. The Oklahoma Insurance Department may also be able to inform you more about your insurance carrier’s rating system since their car insurance rates must be filed with this state agency.

Tags: auto insurance, Car Insurance Company, teen insurance