Oklahoma Picks Red Rock as Temp Carrier for Uninsured Drivers

The Oklahoma Insurance Department (OID) said Thursday that Red Rock Insurance Company is the Sooner State’s pick as car insurance vendor for a liability plan that will cover uninsured drivers temporarily until they buy coverage of their own.

Oklahoma’s Temporary Motorist Liability Plan (TMLP) is part of beefed-up enforcement against uninsured drivers. Oklahoma has one of the highest rates of uninsured drivers in the U.S., pushing regulatory and traffic safety officials there on a campaign for tougher rules against motorists lacking coverage.

Those tougher rules came in the form of HB 1792, a piece of legislation that was signed into law in April and, along with legislating the TMLP, will allow police to seize the plates of drivers they find lack the required Oklahoma auto insurance to be on the roads, beginning on Jan. 1, 2014.

John Doak, OID’s commissioner, said that the Red Rock selection means the state’s rollout of HB 1792 is advancing, along with the state’s campaign against uninsured drivers.

He declared in a statement that “the free ride is over.”

“[Uninsured driving] is a big problem in our state and I’m confident this law will make an impact on our staggering rate of uninsured drivers,” he said. “People driving without insurance need to buy a policy as soon as possible.”

Ten-day Plan Offers Coverage at Minimum Levels

Under HB 1792, drivers found without valid coverage will have their license plates removed and be charged a $10 daily rate to be covered by Red Rock under the TMLP.

Violators also face fines related to uninsured driving and program-funding administrative fees , one of which charges an offender $125 when he or she reacquires the license plate. Confiscated license plates can only be reacquired when the offender proves he or she has obtained valid coverage, according to the new law.

Red Rock’s coverage under the plan will provide the minimum state-required levels of Oklahoma auto insurance, covering up to $25,000 per person, $50,000 per accident and $25,000 for property damage.

The TMLP coverage from Red Rock, which is based in Oklahoma, is only applicable in-state, according to the OID.

About Charles Nguyen
Charles Nguyen is an enterprising journalist who reported for Patch.com and the Desert Dispatch and was the editor in chief of the Guardian (the twice-weekly newspaper at the University of California, San Diego) before coming to Online Auto Insurance News.

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