Oklahoma’s tow-specific wrecker rule tiers everything by wrecker class: liability from $100,000 (General/AA) to $300,000 (AA-TL), with matching $50,000–$150,000 on-hook and garagekeepers tiers. All classes also require $2,500 bailee coverage for vehicle contents.
Weight / class variation: Limits vary by wrecker class (General, AA, AA-TM, AA-TL). All classes also require $2,500 bailee coverage for vehicle contents (deductible max $500).
Tow-specific wrecker rule. No separate cargo minimum; bailee coverage covers contents. Separate OCC motor-carrier rule (OAC 165:30, $350,000) is not the wrecker rule.
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Oklahoma →Independent-contractor test: Common-law right-to-control / 11-factor test from case law, applied in WC cases. The WC statute defines "employee" broadly and then excludes specified categories — it does not codify a general ABC or multi-factor IC test in Title 85A.
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
More tools: state requirements lookup · workers’ comp lookup · coverage quiz · fuel cost calculator · rotation checklist
Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.