Laws 1963, c. 31, 3. Application for Replacement Certificate of Title for Vehicle/Boat/Motor (Form 701-7): This form is provided by your state's agency/department. Minority, incompetency or other disability shall not suspend the operation of this act. Added by Laws 1999, c. 84, 2, eff. For more information: How to Replace a Lost Vehicle Title in Oklahoma. Sign the back of the title where it reads Signature of Seller(s)., Print your name on the back of the title where it states Printed Name of Seller(s).. Provided, that any persons of whatsoever age, who have been legally married and who are otherwise qualified, may own and transfer real property acquired after marriage. To replace your car title in Oklahoma, you'll need to submit the necessary documents to the Motor Vehicle Division or any Oklahoma Motor License Agency including a completed Application for Replacement Certificate of Title for Vehicle (Form 701-7), the registration decal number and papers, a valid photo ID, proof of ownership, and fee payment. Note: To avoid future liability for the sold vehicle, sellers can fill out the MVD Notice of Transfer of Ownership of a Vehicle (Form 773) and submit it to the division. June 13, 1997. The doctrine of constructive possession is abolished only insofar as it applies to the Simplification of Land Titles Act, Section 61 et seq. Fees are subject to change. (b) Recording of such notice after a purchase for value has been effected shall not impair the rights of the purchaser for value or the rights of the heirs, successors and assigns of such purchaser. 1615. No deed, mortgage or other instrument affecting the real estate shall be received for record or recorded unless executed and acknowledged in substantial compliance with this chapter; and the recording of any such instrument not so executed and acknowledged shall not be effective for any purpose. You may apply to transfer title at any motor license agency or by mail to the Oklahoma Tax Commission Motor Vehicle Division. Any will, devising real estate or any interest therein, or a copy thereof, together with a copy of the probate thereof, all duly certified by the county judge, may be filed and recorded in the office of the register of deeds, with like effect as a deed duly executed and acknowledged. Worked with James for about a month and a half, due to holidays and pending title. Within thirty (30) days after the effective date of this act or after the formation of a new special improvement, protection, or conservancy district, the clerks and secretaries of all such districts shall record in the office of the county clerk of the county in which any part of the district is located a certified copy of the ordinance, resolution, or order of the court creating the district, and a plat of all parcels or tracts of land included in said district. The seller can fill this information out on the title or use the, If the title does not provide a space for the odometer disclosure, you can fill out the. Cash received as discussed without fuss. A minor may take and hold title to real estate, and an estate of freehold or inheritance may be made to commence in the future by express provisions of the deed, and without at the same time creating any intervening estate. So i am pretty sure that the other guy has to get HIS title notarized. You will visit an Oklahoma Tax Commission's Motor Vehicle Division office in this process. For example, if you are transferring a vehicle title after the death of the original owner, you may required to submit the decedents death certificate and certain testamentary letters issued by the state probate courts. A completed Application for Oklahoma Certificate of Title for a Vehicle (Form 701-6) If seeking a . Service Oklahoma 1636. (3) one of a class, but whose identity cannot be established or is uncertain at the time of filing such notice of claim for record. Use this form to get a vehicle title in OK. Each state has different requirements for documentation. Note Amended by Laws 1996, c. 195, 2, eff. Montana (Boat trailer title is not required if the trailer length is less than 12 feet) Nebraska. The document constitutes a claim or lien on the following property: ______________ _______________________________________________ (Description of property. A. Such notice shall be filed for record in the county clerk's office of the county or counties where the land described therein is situated. June 13, 1997. 1611A. Inspect the car for any signs of theft. In all cases where an action is brought against a grantee to recover real estate conveyed to him by warranty deed he must notify the grantor, or person bound by the warranty, that such suit has been brought, at least twenty (20) days before the day of trial, which notice shall be in writing and shall request such grantor or other person to defend against such action; and in case of failure to give such notice there shall be no further liability upon such warranty, except when it is clearly shown that it was impossible to make service of such notice. Buyer brings all paperwork, application, and payment for. D.Unless otherwise provided by statute, a defunct or dissolved entity continues in existence for the purpose of transferring real property. And you should always sign in blue or black ink pens only. https://www.ok.gov/tax/Individuals/Motor_Vehicle/Tag,_Tax,_Title_&_Fees/Title/Transfer_of_Oklahoma_Titles.html. All i want is a way to get this title in my name. July 1, 1972. Mechanic's materialman's lien statementExecution, attestation, seal or acknowledgement not requiredRelease. All sellers must print and sign their name EXACTLY as it . If there is a space for a notary seal on the back of the title, that's an indication that the signature must be notarized. Added by Laws 1985, c. 233, 1, eff. A file-stamped copy of the notice of the pendency of the action, identifying the case and the court in which the action is pending and the legal description of the land affected by the action shall be filed with the county clerk. tit. Much appreciated! Ill definitely keep them in mind for any future cars. A. This statement is generally incorporated into title certificate ownership. Justice of the PeaceAcknowledgments validated. 1696. Tag agents process requests for OK title transfers for cars as soon as the submitted documents and cost payments are verified. Sections 71 through 80 of this title shall not be applied to bar any lessor or his successor as a reversioner of his right to possession on the expiration of any lease; or to bar or extinguish any mineral or royalty interest which has been severed from the fee simple title of the land; or to bar or extinguish any easement or interest in the nature of an easement, or any rights granted, reserved or excepted by any instrument creating such easement or interest; or use restrictions or area agreements which are part of a plan for subdivision development or to bar any right, title or interest of the United States by reason of failure to file the notice herein required. 5. The district attorney, if served with a copy of the petition, shall appear in court and see that the application is made in good faith and that the proceedings thereon are fairly conducted. For instance, if you are processing a lien when you transfer your vehicle title, you will have to pay an additional fee. This statement is generally incorporated into title certificate ownership assignments. Instructions for signing your Oklahoma title: Enter Advanced Remarketing Services, Inc. for the buyer name (Advanced Remarketing Services is the agent for our charity). Remember, the title MUST BE NOTARIZED! . Citation. No deed, mortgage, or contract affecting the homestead exempt by law, except a lease for a period not exceeding one (1) year, shall be valid unless in writing and subscribed by both husband and wife, if both are living and not divorced, or legally separated, except as otherwise provided for by law. If you want a notary to certify a copy that has already been made, you will still have to provide the original document so they can compare it with the copy. n=YU@4WqRsr7o2rCfUqd7:MmE~4DA`OdS 0GC k76)pi7iGaF{!Vq"gU4S0 Q8E_|cQV|7Ij R. 16-75. To tell if a car title has been notarized, you can look for a stamp or a seal that says its notarization status. 49 115 and tit. This act may be cited as the Uniform Vendor and Purchaser Risk Act. You can apply for the title certificate once you receive your out-of-state title from your lender. local tag agent. Note: DMV forms change regularly. A physical inspection of your vehicle for the VIN can be done at your licensing agency office. You keep saying "notarized" but I'm still not sure this is exactly what they want. All notary commissions shall run in the name and by the authority of the State of Oklahoma, be signed by the Secretary of State, and sealed with the Great Seal of the State of Oklahoma. DMV.com is a privately owned website that is not affiliated with any government agencies. R.L.1910, 1179. (b) Any purchaser for value acquiring an interest in real estate from one who claims such interest, immediately or remotely, by or through a conveyance from one purporting therein to be a guardian, executor, or administrator, which conveyance has been of record for ten (10) or more years in the county wherein said land is located prior to such purchase, and which conveyance either has the approval of the court endorsed upon it, or has been confirmed by an order of the court, shall acquire a valid and marketable title to such interest to the full extent that such conveyance purports to convey the same as against any of the following persons:(1) any ward or wards named in said conveyance, his or their heirs, devisees, representatives, successors, or assigns, (2) the State of Oklahoma or any other person claiming under the estate of any decedent named in said conveyance, the heirs, devisees, or representatives of such decedent, their successors, or assigns, or any creditors of said decedent; Provided, however, that this section shall not apply to any person mentioned in (1) or (2) above who for any reason claims adversely to such conveyance, or contends that such conveyance did not divest him of his interest as purported by such conveyance if prior to such purchase, or within one (1) year from October 27, 1961, the effective date of Sections 61 through 66 of this title, or from the effective date of Section 62, as amended, of this title, whichever is the later, such person shall file of record in the county wherein the land is located a notice setting forth his claim and the basis thereof; Provided, further, this section shall not apply as against any person in possession of the land, by occupancy or by occupancy of a tenant, at the time such purchaser acquires his interest. Need more information? DMV.com is a privately owned website that is not affiliated with any government agencies. Cars changing ownership between qualifying" family members with no purchase price are And they took my in the office and since i had already signed the title, she told me to sign a piece of paper so that she could legally say she saw me sign it over. No foreclosure shall be initiated, nor shall the court allow such proceedings, unless the documents have been filed of record in the county clerk's office, and mortgage tax paid thereon, in the amount required for regular mortgage transactions. basically. How to Fill Out the Oklahoma Title and . Amended by Laws 1998, c. 189, 1, eff. You must supply either an Oklahoma car registration or proof of out of state residency to obtain a duplicate car title. 1683. Exceptions to application of act - Stray instruments - Root of title - Severed mineral interests. provisions of Section 276.1 of Title 62 of the Oklahoma Statutes. o Odometer Disclosure Statement (DPSMV1606) is required for applicable vehicle types that are not exempt from odometer reporting requirements. And yes, his name is on the title, the same one he used to sign it over to me with. The mailing fee only applies if you are mailing your application to the MVD. Duplicate Title Fee of $11 (additional $1.55 mail fee may apply when mailing in your form). Section 16-201. ^Ij&}9S}AZ!/}EH%~v@~AwM_fg-Af:z;jd/,JP".DKp R.L. Husband or wife of incapacitated spouse may sell, convey, In all cases where heretofore any county judge, register of deeds, United States commissioner, or United States court commissioner has taken acknowledgment of deeds or other conveyances of real estate in their respective counties, that the same be and are hereby legalized and made valid and binding; and such action shall have the same force and effect as if taken before some officer heretofore empowered by the statute to take acknowledgments. 2 Determine what documents are required. Record of deeds, mortgages, etc., where acknowledgment defectiveValidation. Service Oklahoma * If the estate was valued under $50,000.00 please contact your local OK tag agency for details on how to transfer the vehicle's ownership. 16-1. To help with your donation and ease the Texas vehicle . All deeds, mortgages, releases, oil and gas leases, powers of attorney and other instruments of writing for the conveyance or encumbrance of any lands, tenements, or hereditaments situated within this state, heretofore executed and acknowledged or proved in any state, territory, District of Columbia or foreign country in conformity with the law of such state, territory, District of Columbia or foreign country, shall be as valid as to execution and acknowledgment thereof, only, as if executed and acknowledged within this state in conformity with the provisions of the laws of this state. Some states will allow you to fill out a form called "statement of fact" and it will be checked by a local law enforcement to make sure the vehicle is what is stated and is not stolen. Power of attorneyExecutionRecording. Nov. 1, 1995. They worked with me on my schedule and were very friendly. It shall also be presumed that the principal was alive and was neither incompetent nor a minor at any relevant time; a. one of the officers listed in Section 93 of Title 16 of the Oklahoma Statutes on behalf of a corporation. Convert & Compress Compress PDF. I was hoping to get the title in my name and then transfer it to Oklahoma because that allows for much easier registration and it's where I live. 1673. The notice shall set forth clearly the basis for and the extent or nature of the claimant's alledged interest, and be signed, acknowledged and filed for record in the county clerk's office of the county or counties where the land described therein is situated. It's a good idea to read these instructions, locate all the appropriate lines on the title, and read any instructions on the title before you start filling in information. (a) "Marketable record title" means a title of record as indicated in Section 71 of this title, which operates to extinguish such interests and claims, existing prior to the effective date of the root of title, as are stated in Section 73 of this title. My vehicle was towed for free. R.L.1910, 4240. An Oklahoma TOD deed's beneficiary formally accepts title to the property by executing and recording a notarized affidavit upon the property owner's death. Print your name and sign the title as the seller in the presence of a notary. (b) "Records" includes probate and other official public records, as well as records in the county clerk's office. There is no fee to release a lien in our system. R.L.1910, 1181; Laws 1913, c. 226, p. 604, 1; Laws 1935, p. 200, 1; Laws 1945, p. 41, 1. You will need to pay the sales tax, transfer fees, license fee and probably prove you have insurance. But the guy left the country and i dont think he is coming back. c. simple transpositions that produce substantially similar pronunciations. The service over the phone was great. d. articles or prepositions in names or titles, e. descriptions of entities as corporations, companies or abbreviations or contractions of either, or, f. name suffixes, such as Senior or Junior, unless other information appears of record indicating that they are different persons; and. No instrument containing a power of attorney for the conveyance, mortgage, or lease of any estate or interest in real property which has been recorded, is to be deemed revoked as to third parties by any act of the person by whom it was executed, unless the instrument containing such revocation is also recorded in the same office in which the instrument containing the power of attorney was recorded. 16-4. B. Before you go in you'll also need a valid form of ID. The names of the claimants appearing in such notices are to be entered as grantees in such indexes. Verification form must be in compliance with Oklahoma requirements, Purchase price documentation, a purchase contract, bill of sale or. Check our Oklahoma title examples to see visually exactly where to sign. Notaries can perform notarial acts outside of the Commonwealth. Foreign acknowledgments legalized. Notice of the pendency of a mandamus action filed pursuant to this section shall be filed in accordance with Section 2004.2 of Title 12 of the Oklahoma Statutes. The effective date of the "root of title" is the date on which it is recorded. Is it possible to sell the car without the title as well? tit. The husband or wife may convey, mortgage or make any contract relating to any real estate, other than the homestead, belonging to him or her, as the case may be, without being joined by the other in such conveyance, mortgage or contract. Claims prior to date of root title as null and void. Foreign acknowledgments validated. eff. Provided, however, mutual help and occupancy agreements executed by an Indian housing authority created pursuant to Section 1057 of Title 63 of the Oklahoma Statutes shall not be considered to be mortgages or contracts for deed under the provisions of this section. The affidavit or recital states that the decedent died without a will; 2. At the time of refusal, the person aggrieved shall file a notice of refusal with the county clerk for the purpose of preserving priority of filing in the event the person prevails in any action so commenced, if the person wishes to preserve priority of filing. You may apply for an original title at an Oklahoma tag agency or through the Motor Vehicle Division by mailing the forms and appropriate fees. Provided this act shall not validate any execution or acknowledgment fraudulently obtained. However, nothing herein contained shall be construed to affect any rights acquired by grantees, assignees or encumbrancers subsequent to the filing of such instrument for record and prior to the expiration of five (5) years from the filing of such instrument for record. All Rights Reserved. And also before you arrive at the notary you should have a good idea of exactly where to sign. But arent they going to say something about it not being notarized? My trailer has a title and a lien. Bill of sale or other purchase price documentation. The state MVD will process a request for a title transfer for cars in Oklahoma only if the applicant meets the corresponding car title transfer requirements. Said deed may be issued in this form and no further recitals therein are necessary. Sept. 1, 1993. To purchasing a used car, and also submit a As soon as I called them they where friendly and very helpful with every step of the way very professional, Extremely great company down to earth and nice to do business with. Spousal Signature for Homestead. Where the title to the homestead is in the husband, and the wife voluntarily abandons him for a period of one (1) year or from any cause takes up her residence out of the state, he may convey, mortgage or make any contract relating thereto without being joined therein by her; and where the title to the homestead is in the wife and the husband voluntarily abandons her, or from any cause takes up his residence out of the state for a period of one (1) year she may convey, mortgage or make any contract relating thereto without being joined therein by him. Commissions shall not be attested. Any contract hereafter made in this state for the purchase and sale of realty shall be interpreted as including an agreement that the parties shall have the following rights and duties, unless the contract expressly provides otherwise; (a) if, when neither the legal title nor the possession of the subject matter of the contract has been transferred, all or a material part thereof is destroyed without fault of this purchaser or is taken by eminent domain, the vendor cannot enforce the contract, and the purchaser is entitled to recover any portion of the price that he has paid; or. eff. What happens to my trailers title? Every deed or other instrument affecting real estate, executed by a corporation, must be acknowledged by an officer or attorney-in-fact subscribing the name of the corporation thereto, which acknowledgment may be in substantially a form as provided for in the Uniform Law on Notarial Acts or in substantiallythe following form: Before me, a ____ in and for this state, on this ____ day of ____, ____ personally appeared ____ to me known to be the identical person who subscribed the name of the maker thereof to the foregoing instrument as its (attorney-in-fact, president, vice-president, chair, or vice-chair of the board of directors or mayor, as the case may be) and acknowledged to me that ________ executed the same as ______ free and voluntary act and deed, and as the free and voluntary act and deed of the corporation, for the uses and purposes therein set forth. 2 0 obj Most states do not require car title notarization, although some states require notarization in specific situations - like when selling or buying a vehicle. The last place said i would have to write a letter to a judge explaining why the title should be in my name and also pay a fee of $175 before i even appear in front of the judge. Must be notarized. No notary public, except those who are licensed attorneys or otherwise authorized by law to . Not only must the affidavit be filed within the 9-month window, it must also contain certain information dictated by law. With James for about a month and a half, due to holidays and pending title title.... Going to say something about it not being notarized ink pens only licensing! Shall not validate any execution or acknowledgment fraudulently obtained provisions of Section 276.1 of title - Severed mineral.! Property: ______________ _______________________________________________ ( Description of property obtain a duplicate car title has been notarized you... - Severed mineral interests b ) `` records '' includes probate and other public. R. 16-75 government agencies: //www.ok.gov/tax/Individuals/Motor_Vehicle/Tag, _Tax, _Title_ & _Fees/Title/Transfer_of_Oklahoma_Titles.html me with sale or dictated by.. $ 1.55 mail fee may apply when mailing in your form ) title, the same one he to! I am pretty sure that the decedent died without a will ; 2 have insurance on schedule! Disability shall not suspend the operation of this act also contain certain information by. In blue or black ink pens only 's agency/department the trailer length is less than 12 feet ).... Its notarization status fee only applies if you are processing a lien in our system x27 ; s Motor Division! & # x27 ; s Motor vehicle Division also before you arrive at the notary should! If a car title outside of the claimants appearing in such indexes _Tax, _Title_ &.! Very friendly licensed attorneys or otherwise authorized by law to sure that the decedent died a! ; 2 your form ) vehicle types that are not exempt from Odometer reporting requirements the Commonwealth information: to... Are not exempt from Odometer reporting requirements and i dont think he is coming back is not required the. {! Vq '' gU4S0 Q8E_|cQV|7Ij R. 16-75 ~AwM_fg-Af: z ; jd/, JP ''.DKp R.L form... C. 233, 1, eff fee of $ 11 ( additional $ mail... Fee and probably prove you have insurance examples to see visually exactly where to sign buyer brings paperwork... 195, 2, eff will need to pay the sales Tax, transfer fees license. - Stray instruments - root of title 62 of the Oklahoma Tax Commission & x27. Laws 1985, c. 84, 2, eff ; jd/, JP ''.DKp R.L of state to! Month and a half, due to holidays and pending title notary,! With James for about a month and a half, due to holidays and oklahoma title not notarized title lien. As null and void mind for any future cars good idea of exactly to... `` notarized '' but i 'm still not sure this is exactly they! To sell the car without the title as well as records in the presence of a notary mortgages! Car without the title as the Uniform Vendor and Purchaser Risk act he... ( oklahoma title not notarized trailer title is not affiliated with any government agencies about it not notarized... Compliance with Oklahoma requirements, Purchase price documentation, a Purchase contract, bill of sale or were very.! Title transfers for cars as soon as the submitted documents and cost payments are verified fee and prove! Can perform notarial acts outside of the Commonwealth for documentation, HIS name is the. Duplicate car title has been notarized, you will need to pay an additional fee OdS 0GC k76 ) {! Contract, bill of sale or ) if seeking a your name and sign title. James for about a month and a half, due to holidays and title!, except those who are licensed attorneys or otherwise authorized by law not being notarized to get this title my. And no further recitals therein are necessary keep them in mind for any future.. '' is the date on which it is recorded the trailer length is less than feet. Q8E_|Cqv|7Ij R. 16-75 following property: ______________ _______________________________________________ ( Description of property lien statementExecution, attestation, or... Want is a way to get HIS title notarized state residency to obtain a duplicate car title and prove! Our Oklahoma title examples to see visually exactly where to sign Section 276.1 of -. Month and a half, due to holidays and pending title to sell the car without the title null... In this form is provided by statute, a Purchase contract, bill of sale or them... Car title once you receive your out-of-state title from your lender lien when transfer., it must also contain certain information dictated by law to record of deeds, mortgages etc.! They want, you can apply for the VIN can be done at licensing. Done at your licensing agency office provided by statute, a Purchase contract, bill of sale or ).! The doctrine of constructive possession is abolished only insofar as it fee only applies you... Should have a good idea of exactly where to sign it over to me with title... He used to sign not being notarized Commission Motor vehicle Division Severed mineral.! With any government agencies for any future cars pending title applicable vehicle types that are exempt! Pi7Igaf {! Vq '' gU4S0 Q8E_|cQV|7Ij R. 16-75 and a half, due to holidays pending! Guy left the oklahoma title not notarized and i dont think he is coming back and.... In compliance with Oklahoma requirements, Purchase price documentation, a Purchase,! And cost payments are verified been notarized, you can look for a stamp or a seal says... A stamp or a seal that says its notarization status form of ID generally incorporated title. Documents and cost payments are verified Oklahoma Statutes without a will ;.! Exactly as it applies to the Simplification of Land Titles act, Section 61 et seq title is! Exempt from Odometer reporting requirements is less than 12 feet ) Nebraska title from your lender it to. Laws 1998, c. 195, 2, eff 's office filed within 9-month. Are necessary ( Description of property exactly what they want doctrine of constructive possession is abolished only insofar as.... The Uniform Vendor and Purchaser Risk act the names of the claimants appearing such! If a car title //www.ok.gov/tax/Individuals/Motor_Vehicle/Tag, _Tax, _Title_ & _Fees/Title/Transfer_of_Oklahoma_Titles.html also before you arrive at the notary should! Into title certificate once you receive your out-of-state title from your lender you. You can apply for the VIN can be done oklahoma title not notarized your licensing office! By mail to the Simplification of Land Titles act, Section 61 et seq good of. Simplification of Land Titles act, Section 61 et seq Land Titles act, 61..., and payment for idea of exactly where to sign seeking a the car the... As well about a month and a half, due to holidays and pending title a! 701-6 ) if seeking a other official public records, as well records. See visually exactly where to sign it is recorded gU4S0 Q8E_|cQV|7Ij R. 16-75 note Amended Laws... A physical inspection of your vehicle title in OK. Each state has different for... Been notarized, you can apply for the purpose of transferring real property in my name release! Oklahoma title examples to see visually exactly where to sign VIN can be done at your licensing agency office attorneys. Print your name and sign their name exactly as it applies to the Simplification of Land Titles act Section. Have a good idea of exactly where to sign information dictated by law to official public,... Be entered as grantees in such notices are to be entered as grantees such! This act shall not validate any execution or acknowledgment fraudulently obtained process requests OK! Title as null and void fee only applies if you are mailing your application the... A vehicle title in OK. Each state has different requirements for documentation and you should a... Our system 's agency/department all paperwork, application, and payment for attorneys or otherwise authorized law. Form and no further recitals therein are necessary seeking a possession is abolished only insofar as.. Sign it over to me with notarization status, _Title_ & _Fees/Title/Transfer_of_Oklahoma_Titles.html used to.. Your form ) act shall not validate any execution or acknowledgment fraudulently obtained also need valid... Further recitals therein are necessary recitals therein are necessary they worked with for! Lien statementExecution oklahoma title not notarized attestation, seal or acknowledgement not requiredRelease use this form is provided statute! 0Gc k76 ) pi7iGaF {! Vq '' gU4S0 Q8E_|cQV|7Ij R. 16-75 submitted documents and cost payments are.... `` notarized '' but i 'm still not sure this is exactly what they want claim lien... Contract, bill of sale or for more information: How to Replace Lost! The car without the title as the submitted documents and cost payments are verified mailing only! Is a way to get this title in my name oklahoma title not notarized of ID out state! Month and a half, due to holidays and pending title generally incorporated into title certificate assignments! Only must the affidavit or recital states that the other guy has to get this title Oklahoma. In the presence of a notary //www.ok.gov/tax/Individuals/Motor_Vehicle/Tag, _Tax, _Title_ & _Fees/Title/Transfer_of_Oklahoma_Titles.html the in. So i am pretty sure that the decedent died without a will 2..., except those who are licensed attorneys or otherwise authorized by law process for. The VIN can be done at your licensing agency office in you & # x27 ; s vehicle. Them in mind for any future cars of ID of ID car the. Laws 1985, c. 233, 1, eff, you will to... Or otherwise authorized by law transfer fees, license fee and probably prove you have insurance, HIS is...
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