Why is liability insurance required on two identical vehicles owned by the same person with no other drivers?

Answer
Your recluse can crash the first pickup into a school bus at a gas station, then walk home and drive the second one into an armored car, forcing it into the path of . . . . . .


Answer
Don't know about Oklahoma law, but if your recluse moves to Kansas, he won't be able to get tags for the second vehicle without proof of liability insurance. But I suppose your next question is "Why can't he use the same licence plates since he can only drive one at a time?" But, the whole question is invalid because there cannot be a "mountain recluse" in Oklahoma. Perhaps he needs to move north and build his cabin on Mount Sunflower. Elevation from sea level, 4039 feet. Elevation from surrounding wheat fields, about 3 feet.



Answer
Insurance laws are based on vehicle coverage rather than driver coverage. Even a mountain recluse may loan his second vehicle to another mountain recluse who comes to visit once every ten years. Although it may be unlikely that the visiting recluse would have an accident, the possibility still exists and so there must be insurance on that vehicle.


Answer
Simple answer: Although no-one else is listed other drivers may be driving your car (e.g. lend your car to someone insured or not) and your insurer ultimately may have to pay if they cause damage to property or people.

Probably the biggest item is fraud.

Other "Murphy's law" items, your parked car rolls down a hill and hits something/someone. Rooftop parking collapses due to weight of car. Explosions....etc.


You usually get a multicar discount (although it is clearly not 1/2).

If it were possible to guarantee that no-one else drives the cars, that you are perfectly honest, and the car is parked in an open field (which you own) then the premium should (in theory) be half.

Why do you have two of the same car anyway?