Okla. Stat. » Title 47 — MOTOR VEHICLES
Oklahoma Statutes

Okla. Stat. tit. 47, § 7-204 (2026)

Policy requirements

✓ current as of July 2026
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A. No motor vehicle liability policy shall be considered effective to provide any exemption under Section 7-203 of this title unless; 1. The policy is issued by an insurance company authorized to do business in this state, except as provided in subsection B of this section; and 2. The policy provides, if the accident has resulted in bodily injury or death or property injury or destruction, exclusive of interest and costs, not less than minimum liability insurance limits. B. No motor vehicle liability policy shall be considered effective to provide any exemption under Section 7-203 of this title with respect to any vehicle which was not registered in this state at the effective date of the policy or the most recent renewal thereof, unless the insurance company issuing the policy is authorized to do business in this state or in the state of registration. C. The Department of Public Safety may rely upon the accuracy of the information in a required report of an accident as to the existence of a motor vehicle liability policy unless and until the Department has reason to believe that the information is erroneous. Added by Laws 1961, p. 355, § 7-204, eff. Sept. 1, 1961. Amended by Laws 1980, c. 235, § 2, eff. Jan. 1, 1981; Laws 2004, c. 519, § 31, eff. Nov. 1, 2004; Laws 2009, c. 62, § 4, eff. Nov. 1, 2009.

Notes of Decisions
Cited in 26 cases (1 in the last 5 years), 1971–2021 · leading case: McSorley v. Hertz Corp., 885 P.2d 1343 (Okla. 1994).
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McSorley v. Hertz Corp., 885 P.2d 1343 (Okla. 1994). · cites it 4× “20 Subsection (B) of § 3636 21 provides that uninsured motorist coverage provided as *1348 part of a liability policy shall not be less than that required under 47 O.S.1981 § 7-204, 22 ■with the insured having the option to purchase increased limits of liability not to exceed…”
May v. Nat'l Union Fire Ins. Co. of Pittsburgh, 918 P.2d 43 (Okla. 1996). · cites it 3× “In subsection (B) of section 3636, it is provided that the uninsured motorist coverage provided as a part of a liability policy shall not be less than that required under 47 O.S.1981 § 7-204, with the insured to have the option to purchase increased limits of liability not to…”
Equity Mut. Ins. Co. v. Spring Valley Wholesale Nursery, Inc., 747 P.2d 947 (Okla. 1987). · cites it 2× “5 Its terms mandate that all vehicle owners maintain liability insurance or other authorized security at not less than the minimum required by 47 O.S.1981 § 7-204 6 of the Financial Responsibility Act unless a vehicle is exempt by statute.”
Mann Ex Rel. Mann v. Farmers Ins. Co., 761 P.2d 460 (Okla. 1988). · cites it 4× “In subsection (B) of section 3636, it is provided that the uninsured motorist coverage provided as a part of a liability policy shall not be less than that required under 47 O.S.1981 § 7-204, with the insured to have the option to purchase increased limits of liability not to…”
Meridian Mut. Ins. Co v. Richie, 540 N.E.2d 27 (Ind. 1989). · cites it 2× “01 (Baldwin 1986); Oklahoma ($10,000/$20,000), Okla. Stat. Ann. tit. 47, § 7-204 (West 1987); Pennsylvania (No minimum limits until 1984), Pa.”
Chambers v. Walker, 653 P.2d 931 (Okla. 1982). · cites it 2× “47 O.S.Supp.1980 § 7-204. 4 . That Oklahoma recognizes the collateral source rule, see Denco Bus Lines v.”
May v. Nat. Union Fire Ins. Co., 918 P.2d 43 (Okla. 1996). · cites it 3× “In subsection (B) of section 3636, it is provided that the uninsured motorist coverage provided as a part of a liability policy shall not be less than that required under 47 O.S.1981 § 7-204, with the insured to have the option to purchase increased limits of liability not to…”
Burch v. Allstate Ins. Co., 1998 OK 129 (Okla. 1999). · cites it 2× “The liability limit in the policy, which would be available to pay damages to third parties for bodily injury or death caused by Herbert's negligence, was $10,000 per person/$20,000 per accident — the minimum required by 47 O.S.1991, § 7-204. The uninsured/underinsured (UM/UIM)…”
Gay v. Hartford Underwriters Ins. Co., 904 P.2d 83 (Okla. 1995). · cites it 2× “1981 § 3636, Hartford was required to offer uninsured/underinsured motorist coverage with limits not less than the limits prescribed for bodily injury meeting the requirements of 47 O.S.1981 § 7-204, and not greater than the bodily injury liability limits provided in the policy.”
Carney v. State Farm Mut. Auto. Ins. Co., 877 P.2d 1113 (Okla. 1994). · cites it 2× “1991, § 3636 requires that the limits offered must meet the mandate of 47 O.S.1991, § 7-204. This section sets a limit of not less than $10,000.”
Harkrider v. Posey, 2000 OK 94 (Okla. 2000). “27 The state has exercised this power by enacting the Oklahoma Financial Responsibility Act ("Act") 28 Article VI of the Act, entitled Compulsory Liability Insurance, 29 requires owners of nonexempt motor vehicles to keep in foree liability insurance or other authorized security…”
Lane v. Progressive N. Ins. Co., 2021 OK 40 (Okla. 2021). · cites it 2× “for a policy" under 47 O.S. § 7-204). The Legislature did not, however, conflate or otherwise combine the coverages: liability coverage and uninsured-motorist coverage remain distinct.”
Show all 26 citing cases →
Okla. Stat. tit. 47, § 7-204(a): 8 cases
Equity Mut. Ins. Co. v. Spring Valley Wholesale Nursery, Inc., 747 P.2d 947 (Okla. 1987). “5 Its terms mandate that all vehicle owners maintain liability insurance or other authorized security at not less than the minimum required by 47 O.S.1981 § 7-204 6 of the Financial Responsibility Act unless a vehicle is exempt by statute.”
May v. Nat'l Union Fire Ins. Co. of Pittsburgh, 918 P.2d 43 (Okla. 1996). “In subsection (B) of section 3636, it is provided that the uninsured motorist coverage provided as a part of a liability policy shall not be less than that required under 47 O.S.1981 § 7-204, with the insured to have the option to purchase increased limits of liability not to…”
Carney v. State Farm Mut. Auto. Ins. Co., 877 P.2d 1113 (Okla. 1994). “1991, § 3636 requires that the limits offered must meet the mandate of 47 O.S.1991, § 7-204. This section sets a limit of not less than $10,000.”
Thomas v. Nat'l Auto. & Cas. Ins. Co., 875 P.2d 424 (Okla. 1994).
May v. Nat. Union Fire Ins. Co., 918 P.2d 43 (Okla. 1996). “In subsection (B) of section 3636, it is provided that the uninsured motorist coverage provided as a part of a liability policy shall not be less than that required under 47 O.S.1981 § 7-204, with the insured to have the option to purchase increased limits of liability not to…”
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