Reader’s Question:

In Oklahoma, How long does a DUI stay on your driving record?

George

Oklahoma City, OK

The OK Department of Public Safety (DPS) states that some collisions, any Oklahoma court conviction for a moving violation, or any out-of-state court infraction will be placed on your driving record. Your entire driv­ing history will be maintained by the Department and will be transferred if you apply for a license in a different state.

According to the Oklahoma driver’s manual the consequences of arrest and infraction for a DUI will stay on a driver’s record. If you are arrested for driving a motorcycle or motor vehicle under the influence of drugs, the conviction and penalties can affect you for the rest of your life. So it would appear that the DUI permanently stays on your Oklahoma driving record.

You may speak with the OK DPS to verify if there if a DUI is ever expunged from a person’s driving record of if it stays there for the lifetime of the motorist.

Reader’s Question:

I am just being released from prison and I do not have a car, but Oklahoma requires me to provide proof of insurance to get my driver’s license back. What is a non owners insurance policy? Can I get it here in Oklahoma City? and how much does is it?

Jude

Oklahoma City, OK

Generally, a non-owners auto insurance policy is one that may be written when an insured needs coverage only for his personal use of a vehicle not owned by him or a family member.

So if you need proof of insurance to obtain your Oklahoma driver’s license reinstated but you do not own a vehicle nor will you be living in a residence where there is an automobile in which you could place car insurance on, then a non-owners policy should be available to you to be purchased.

The vehicle owner’s insurance provider or an individual’s non-owner insurance policy will give the proper security verification form that one should show as proof of insurance in Oklahoma.

Reader’s Question:

I came over from France to spend several months of vacation in the Oklahoma. I do have a French drivers license which permits me to drive on Oklahoma but how can I get an auto insurance on a car that I borrowed from a friend in Oklahoma City?

Chris

Oklahoma City, OK

While your valid foreign license from France permits you to drive within Oklahoma, and other states within the US, many insurance providers will require a US license in order to get insurance on you or a car for you. While specialty insurance carriers may permit you to get car insurance with your French license, the insurance companies would require that you get a US license within thirty days.

Since you are borrowing a vehicle from a friend while on vacation in Oklahoma City, you may see if your friend’s insurance will permit you to be covered under their current insurance policy or if you can be added as a driver during the time that you are in OK. If this is possible it would likely be the best way in which to get insurance coverage for you on your friend’s car.

Reader’s Question:

How long does an car claim stay on record in Oklahoma?

Maria

Oklahoma City, OK

A car insurance claim goes on your claims history and insurance but is not necessarily put onto a record that the Oklahoma state keeps. Your collision itself will likely be put on your driving history though by the OK Department of Public Safety (DPS).

The Oklahoma DPS will release a motorist’s driving record for a three year period so the accident will be listed for at least that long. If you received a citation for a moving violation due to your part in an accident, that infraction will stay on your OK driver’s record for five years.

As for the claims history, usually that is looked up by the insurance provider using their own internal database or a CLUE information exchange. Through the CLUE personal car claims report an insurance carrier can receive a person’s five year history of car insurance losses.

Reader’s Question:

Does the state of Oklahoma requires that you have to have car insurance even though you don’t own a car?

Lester

Tulsa, OK

You do not necessarily need to have car insurance just because you have an Oklahoma driver’s license. There is no reason that insurance is needed just to get an OK driver’s license. Therefore if you have one for purposes of identification or just to have in case you even purchase a car then you would not need auto insurance.

If you do not have your own car but do drive other people’s cars in Oklahoma then you will need to make sure you would be covered if in an accident and be able to show proof of financial responsibility (an insurance card) if asked by police officers. If you do not own a car nor live in a household with cars in which you could be placed on the insurance policy of then you may want to consider getting a non-owner’s policy.

Basically a non-owner’s policy is a liability policy that would be secondary to the auto owner’s primary insurance policy if you were to cause an accident. A non-owner’s policy would be under your name and be proof of insurance if you needed to show an insurance card under your name.