That is a different thing than someone being stopped for a traffic violation and not having proof of insurance . In Oklahoma you will get a ticket for that and probably have your vehicle impounded until you have insurance on it . Which will be a lot more expensive than having insurance in the first place.
I guess you are not driving any of those 5 cars to work and back on public streets.
I don’t know if things changed since I retired but in my state if you drop insurance they suspend your drivers license.
The comment was “when the insurance lapses”, not for being cited for driving without insurance. If my insurance lapses, the vehicle registration will be suspended, it doesn’t affect my drivers license.
If your car is sitting on a dealers back lot for 6 months with the paperwork in limbo you need to maintain insurance? Must you show proof that you sold the vehicle to reinstate your license?
owned it
According to the regisered letter I got from the state as long as I owned it it had to be insured weather it was driven or not I wanted to drop it when I was still working OTR since I only drove maybe half a dozen times a year and less than 100 miles a year I figured I could use the wifes car when I was home instead of driving my PU.
I guess there are no “barn finds” in your state if insurance is required for every vehicle.
I think he is saying, as long it is registered it has to have insurance on it. just like in new york. if it is not registered and off the road it does not need insurance.
I don’t know how every thing works but I kept the tags up to date is why I think that was also it was in a different county than I am in now I did see something quite awhile back in one town cars had to be pulled into the driveway and not backed in so the police could check for expired tags on another note back in 2000 my daughter and son in law was in the military and got transferred over seas they left his truck at my house until the came back to the US shortly after they left the tags expired and they dropped the insurance a neighbor complained about it a sheriffs deputy came out and asked me about when I told what was going on he said no problem as long as it was not mine he was ex military himself and he even told me what back roads I could drive it on and not have a problem.
You got it right.
We get used to having liability from an auto, home, and umbrella policy. When my dad went to the nursing home, house was already sold, but when I sold the car and talked to the agent about canceling the insurance, that canceled all the liability coverage. I thought he should have at least some but we agreed there wasn’t much trouble he could get into at that point and probably also pretty much judgement proof. Still I was a little concerned if he would have an altercation with another resident.
He has to start claims process, and schedule court date, and show up.
In OK one can register a car year after year without insurance but it cannot be legally driven on the streets. Getting caught means a fine and tow. A waiver must be signed.
The year decal on the plate can also be Black Tagged; which means a black decal signifying no street use for whatever reason. Converting back when needed is 10 dollars.
Allow a car to sit for 10 years without keeping the registration up and the DMV will hit the car owner pretty heavy on fees and penalties.
I think the nursing home would be a much better target for a suit. If your father had any assets, they might try to go after them, but his mental state would play into any awards. My suspicion is that both parties in a physical argument would bear some fault, and that would reduce any judgements substantially.