Have you been injured in a car accident?

Our Car Accident Help site is designed to be a one-stop source for anyone who has suffered personal injuries in a car crash. It is also a helpful resource for someone whose loved one has been injured in an Oklahoma car crash. Speak to one of our representatives at (405) 285-4357 if you have any questions, or fill out our form to get your free, instant, no obligation accident analysis. We have Oklahoma car accident attorneys on staff who know the law and can defend your rights.

Oklahoma Motorcycle Insurance Laws

Oklahoma is a "fault" or "tort" state, meaning that, in a motor vehicle accident, the guilty party pays for the non guilty party’s damages and losses. So, to ride a motorcycle in The Sooner State, you need two things: an M endorsement on your driver’s license, or a learner’s permit (good for 30 days); and the establishment of financial responsibility. In fact, you cannot get a learner’s permit or an M endorsement without proof of financial responsibility.

What is Financial Responsibility?

Financial responsibility is assurance of your ability to pay for any damages you may be liable for if you are involved in an accident while riding a motorbike.

How Does One Establish Financial Responsibility?

There are five ways to establish financial responsibility in Oklahoma:

  • Liability Insurance: The simplest and most common way to establish financial responsibility is by purchasing a motorcycle liability policy from a licensed insurance carrier. Oklahoma requires motorcycle riders to carry a minimum liability policy of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
  • Oklahoma Automobile Insurance Plan: This is a state run plan, created in 1950, to provide liability coverage for those who are considered to be too high of a risk by major insurance companies.
  • Self Insurance Policy: If you own 25 or more vehicles under your name, you can purchase a self insurance policy. This is designed for businesses that own a fleet of vehicles.
  • Monetary Deposit: You can make a monetary deposit of $75,000 to the Oklahoma Department of Public Safety to ensure you are financially responsible.
  • Surety Bonding: You can choose to obtain a bond through a state licensed surety company.

Penalties For Driving Without Insurance in Oklahoma

If you are in an accident or pulled over by a police officer without proof that you are insured, bonded, or have made the mandatory deposit, you may be subject to any of the following consequences:

  • A fine of up to $250
  • A fine of up to $250 and up to 30 days in jail
  • A suspension of your driver’s license and vehicle registration for up to a year, or until you provide proof of financial responsibility
  • Impoundment of your vehicle and payment of storage costs
  • If your driver’s license is suspended and you wish to reinstate it once the suspension is over, you must pay a reinstatement fee of $275 plus an administrative fee of $125

As you can see, riding a motorcycle without establishing financial responsibility can be both risky and costly. If you are involved in an accident and have not established financial responsibility, or if you’ve been in an accident with a driver who is not financially responsible, you need to consult a qualified Oklahoma motorcycle accident attorney. Car Accident Help can answer any questions you may have regarding motorcycle accidents and insurance. Call us any time, 24 hours a day, 7 days a week, at (405) 285-4357.

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Getting Support for Your Car Accident

The period after a car collision can be devastating and chaotic for crash victims and their families. This is the time when you can use all the support and resources you can get. The team at Car Accident Help are committed to providing you with the information and resources you need during these challenging times. If there are any questions you may have or want to know your legal rights, contact us today for a free initial evaluation to see if you have a case.

Find out if you have a case

Who We Are

The team at CarAccidentHelp.com created this site to provide a resource to those who have just been in an accident and need someone on their side. The insurance companies are not looking out for your best interests and you need an advocate who knows the laws in Oklahoma and will fight for you. We help you figure out if filing a lawsuit is right for your situation, and connect you with lawyers who can determine if you have a case.

Car Accident Help
15401 N. May Avenue
Suite 900
Edmond, OK 73013
Call: (405)-285-4357


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OKC Motorcycle Accident Attorney Disclaimer: This web site is designed to provide educational information. The legal information contained in this web site is not intended to offer legal advice. Information contained in this web site is not intended to create an attorney-client relationship, nor does it constitute legal advice, to any person reviewing such information. No electronic communication with Car Accident Help, or any employees thereof, will generate an attorney client relationship, nor will it be considered an attorney-client privileged communication. Any reference in this web site to past results for clients obtained by Car Accident Help, including reference to the Million Dollar Advocates Forum, does not guarantee that similar outcomes will be achieved for future cases. Each case is different, and must be evaluated and handled based on its individual attributes and merits.

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