Have you been stopped for a traffic violation lately? Were you asked to show proof of insurance? If so, please be aware that the Oklahoma Insurance Department recognizes electronic forms of insurance verification.
Did you know that it is acceptable to show a police officer vehicle insurance verification on your smart phone? This question was posed to us by a constituent lately; we thought others might wish to know the answer to this as well.
Senate law staff sent us the following explanation:
The compulsory insurance law requires liability insurance coverage on vehicles operated on public roads. 47 O.S. § 601 requires that the operator of the vehicle maintain “proof” or a “security verification form” with the vehicle at all times and requires the operator to produce such proof upon request of a law enforcement officer.
47 O.S. § 600 defines “security verification form” as a form approved by the commissioner.
Nowhere in statute is the media used to display the required information specified. Law enforcement may be used to seeing a paper document, but it is not required by law. The insurance commissioner in Bulletin PC 2013-10 clarified this point by explicitly stating that OID recognizes electronic forms of “Security verification”.
In the 2013 session, SB 860 attempted to explicitly state that electronic forms should be accepted, but the bill was not signed into law.
And … just in case you can’t put your hands on the proof of insurance at that moment, Title 47 O.S. 7-606(C) requires a court to dismiss a citation issued against a motorist for failure to comply with the compulsory insurance law if they produce proof that a valid insurance policy was in effect on the date the citation to the court prior to their appearance date. In addition, all fees/charges should be waived.
Thank you for taking the time to read this update; I look forward to updating you about what is happening here at the Oklahoma State Capitol during this year’s session. Follow this and other blog posts / news updates on my website at www.SenatorMarkAllen.com.
Until next time,
Senator Mark Allen