Oklahoma Statutes

Okla. Stat. tit. 47, § 7-600 (2026)

Definitions

✓ current as of July 2026
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As used in Section 7-600 et seq. of this title: 1. "Owner's policy" means a policy of motor vehicle liability insurance which: a. shall designate by explicit description or by appropriate reference all vehicles with respect to which coverage is thereby to be granted, b. shall insure the person named therein and insure any other person, except as provided in subparagraph c of this paragraph, using an insured vehicle with the express or implied permission of the named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, operation or use of the vehicle, c. may provide for exclusions from coverage in accordance with existing laws, and

d. shall be issued by an authorized insurer providing coverage in accordance with Section 7-204 of this title or in the case of a commercial automobile insurance policy may be issued by an unauthorized insurer as allowed pursuant to Section 1106 of Title 36 of the Oklahoma Statutes. 2. "Operator's policy" means a policy of motor vehicle liability insurance which shall insure the named person against loss from the liability imposed upon the named person by law for damages arising out of the operation or use by the named person of any motor vehicle not owned by the named person, subject to the same limits of liability required in an owner's policy. 3. "Security" means: a. a policy meeting the minimum vehicle liability limits, b. a deposit of cash or securities as defined in Section 7-330 of this title having the equivalency of the minimum vehicle liability limits, c. self-insurance, pursuant to the provisions of Section 7-503 of this title, having the equivalency of the minimum vehicle liability limits, or d. for vehicles registered pursuant to the provisions of Section 1127 of this title, a policy meeting or exceeding the minimum vehicle liability limits; provided, the policy may be issued by an insurance company authorized to do business in the state of residence or domicile of the member of the Armed Forces and the motor license agent or other registering agency shall accept the security verification form issued by such insurance company. 4. "Compulsory Insurance Law" is the law requiring liability insurance, which provides the minimum vehicle liability limits, in conjunction with the operation of a motor vehicle in this state as found in this article, Section 7-600 et seq. of this title. 5. "Security verification form" means a form, approved by the Insurance Commissioner, verifying the existence of security required by the Compulsory Insurance Law. 6. “Commercial auto coverage” means coverage provided to an insured, regardless of the number of vehicles or entity covered, under a commercial auto, garage or truckers coverage form or rated from either a commercial manual or rating rule as filed and approved by the Insurance Department. Vehicle type and ownership are not necessarily the primary factors in either underwriting the coverage or rating the coverage. Added by Laws 1982, c. 355, § 1, operative Jan. 1, 1983. Amended by Laws 1989, c. 181, § 11, eff. Nov. 1, 1989; Laws 1997, c. 154, § 1, eff. Nov. 1, 1997; Laws 2009, c. 62, § 28, eff. Nov. 1, 2009; Laws 2009, c. 185, § 1, eff. Nov. 1, 2009.

Notes of Decisions
Cited in 19 cases (1 in the last 5 years), 1987–2022 · leading case: Equity Mut. Ins. Co. v. Spring Valley Wholesale Nursery, Inc., 747 P.2d 947 (Okla. 1987).
Equity Mut. Ins. Co. v. Spring Valley Wholesale Nursery, Inc., 747 P.2d 947 (Okla. 1987). · cites it 11× “Is primary insurance carried by Equity Mutual Insurance Company [owner's insurer] or National Indemnity Company [permissive user's insurer]? We answer the first question in the affirmative and hold that a 200-mile radius limitation in an owner's or operator's liability policy…”
Siloam Springs Hotel, LLC v. Century Sur. Co., 2017 OK 14 (Okla. 2017). · cites it 2× “The first question certified--and the one relevant to our current analysis--was whether a motor-vehicle insurance policy provision that excluded any coverage for vehicles loaned or rented to others, was void in whole or in part, in light of Oklahoma's Compulsory Liability…”
Nation v. State Farm Ins. Co., 880 P.2d 877 (Okla. 1994). · cites it 6× “The plaintiff urges that the household exclusion is invalid because it violated the policy behind Oklahoma's Compulsory Liability Insurance Law, 47 O.S.Supp. 1983 Section 7-600 through 7-607.”
Mulford v. Neal, 2011 OK 20 (Okla. 2011). · cites it 8× “, as amended; and 2) upon conviction of an offense under the motor vehicle laws or bond forfeiture or upon failure to pay a judgment for damages arising out of the use of a vehicle, require the person to provide proof of financial responsibility.”
Jones v. Shelter Mut. Ins. Companies, 738 N.W.2d 840 (Neb. 2007). · cites it 2× “01 (K) (LexisNexis 2003); Okla. Stat. Ann. tit. 47, § 7-600 (West 2007); Or.”
Tapp v. Perciful, 2005 OK 49 (Okla. 2005). · cites it 3× “We granted certiorari to determine whether Oklahoma's compulsory liability insurance scheme, 47 O.S.2001 § 7-600, et. seq. Laws 1982, ch.”
Ball v. Wilshire Ins. Co., 2009 OK 38 (Okla. 2009). “of the named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, operation or use of such vehicle, .”
Pierce v. Oklahoma Prop. & Cas. Ins. Co., 901 P.2d 819 (Okla. 1995). · cites it 2× “See 47 O.S.Supp.1976 § 7-600 et seq: and 47 O.”
Daigle v. Hamilton, 782 P.2d 1379 (Okla. 1989). · cites it 2× “(emphasis added) (citations omitted) The appellant argues that “the statutes requiring and controlling compulsory insurance” which Tidmore mentions are the ones found at 47 O.S.Supp.1982, § 7-600 et seq, specifically § 7-601(B).”
Tuller v. Shallcross, 886 P.2d 481 (Okla. 1994). · cites it 4× “Automobile liability insurance is mandated by the Oklahoma Compulsory Liability Insurance Law, 47 O.S.1991 § 7-600. UM coverage is statutorily required by 36 O.”
Siloam Springs Hotel, LLC v. Century Sur. Co., 2017 OK 14 (Okla. 2017). · cites it 2× “The first question certified--and the one relevant to our current analysis--was whether a motor-vehicle insurance policy provision that excluded any coverage for vehicles loaned or rented to others, was void in whole or in part, in light of Oklahoma's Compulsory Liability…”
O'neill v. Long, 2002 OK 63 (Okla. 2002). “T14 Oklahoma's Financial Responsibility Act, 47 O.”
— Okla. Stat. tit. 47, § 7-600(1) — 2 cases
Equity Mut. Ins. Co. v. Spring Valley Wholesale Nursery, Inc., 747 P.2d 947 (Okla. 1987). “Is primary insurance carried by Equity Mutual Insurance Company [owner's insurer] or National Indemnity Company [permissive user's insurer]? We answer the first question in the affirmative and hold that a 200-mile radius limitation in an owner's or operator's liability policy…”
Mulford v. Neal, 2011 OK 20 (Okla. 2011). “, as amended; and 2) upon conviction of an offense under the motor vehicle laws or bond forfeiture or upon failure to pay a judgment for damages arising out of the use of a vehicle, require the person to provide proof of financial responsibility.”
— Okla. Stat. tit. 47, § 7-600(1)(b) — 1 case
Nation v. State Farm Ins. Co., 880 P.2d 877 (Okla. 1994). “The plaintiff urges that the household exclusion is invalid because it violated the policy behind Oklahoma's Compulsory Liability Insurance Law, 47 O.S.Supp. 1983 Section 7-600 through 7-607.”
— Okla. Stat. tit. 47, § 7-600(1)(c) — 4 cases
Ball v. Wilshire Ins. Co., 2009 OK 38 (Okla. 2009). “of the named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, operation or use of such vehicle, .”
Mulford v. Neal, 2011 OK 20 (Okla. 2011). “, as amended; and 2) upon conviction of an offense under the motor vehicle laws or bond forfeiture or upon failure to pay a judgment for damages arising out of the use of a vehicle, require the person to provide proof of financial responsibility.”
Equity Mut. Ins. Co. v. Spring Valley Wholesale Nursery, Inc., 747 P.2d 947 (Okla. 1987). “Is primary insurance carried by Equity Mutual Insurance Company [owner's insurer] or National Indemnity Company [permissive user's insurer]? We answer the first question in the affirmative and hold that a 200-mile radius limitation in an owner's or operator's liability policy…”
Rodriguez v. Gutierrez-perez, 2012 OK CIV APP 14 (Okla. Civ. App. 2011).
— Okla. Stat. tit. 47, § 7-600(4) — 1 case
Mulford v. Neal, 2011 OK 20 (Okla. 2011). “, as amended; and 2) upon conviction of an offense under the motor vehicle laws or bond forfeiture or upon failure to pay a judgment for damages arising out of the use of a vehicle, require the person to provide proof of financial responsibility.”
— Okla. Stat. tit. 47, § 7-600(5) — 1 case
Mulford v. Neal, 2011 OK 20 (Okla. 2011). “, as amended; and 2) upon conviction of an offense under the motor vehicle laws or bond forfeiture or upon failure to pay a judgment for damages arising out of the use of a vehicle, require the person to provide proof of financial responsibility.”
— Okla. Stat. tit. 47, § 7-600(l)(b) — 2 cases
Nation v. State Farm Ins. Co., 880 P.2d 877 (Okla. 1994). “The plaintiff urges that the household exclusion is invalid because it violated the policy behind Oklahoma's Compulsory Liability Insurance Law, 47 O.S.Supp. 1983 Section 7-600 through 7-607.”
Sisk v. Gaines, 144 P.3d 204 (Okla. Civ. App. 2006).
— Okla. Stat. tit. 47, § 7-600(l)(c) — 2 cases
Equity Mut. Ins. Co. v. Spring Valley Wholesale Nursery, Inc., 747 P.2d 947 (Okla. 1987). “Is primary insurance carried by Equity Mutual Insurance Company [owner's insurer] or National Indemnity Company [permissive user's insurer]? We answer the first question in the affirmative and hold that a 200-mile radius limitation in an owner's or operator's liability policy…”
Sisk v. Gaines, 144 P.3d 204 (Okla. Civ. App. 2006).
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