Oklahoma Auto Insurance

Auto insurance in Oklahoma

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What you should know about the auto insurance in Oklahoma

All motorists are always financially responsible for the personal injury as well as the property damage especially if it is their fault. This is one of the main reasons why they put the blame to the other people so they would shoulder the legal liabilities also referred by many as the tort.

The fault degree that is documented by the insurance providers of both parties after the accident will determine how much should they contribute in order to cover for the expenses because of the accident. In Oklahoma this is known as the comparative negligence.

Below are the minimum amounts that the motorists must have so that they can legally drive in Oklahoma.

1. Bodily injury per person - $25,000

2. Bodily injury per accident - $50,000

3. Property damage - $25,000

More often than not, because of the tight budget, many motorists in Oklahoma only opt for the minimum liability. However, it is recommended that you choose the higher liability instead. There are some cases that the expenses of repairing and medical costs per person are way beyond the minimum amount set by the state’s insurance law. Therefore, in order to fully protect you financially, try getting a higher liability.

More options for you

Other than the liabilities mentioned above, you have more options when it comes to coverage in the state of Oklahoma. Ask your agent about the underinsured motorist or UIM and also about the uninsured motorist or the UM.

A few FAQ’s

What should I do if the other party is at fault?

Let your insurance provider handle all the work. It is also best if you would renew your insurance policy today so that your insurance company will cover your expenses if the driver at fault does not have an auto insurance.

What are the factors considered when computing for the insurance premium?

Some of the things that the insurance companies consider includes your age, driving record, location, annual mileage, the type of vehicle, and others.

Got more questions?

The Department of Insurance in Oklahoma will give you all the details that you need to know if you have more questions. You can call them at 800-522-0071 or visit their website by simply logging on to www.oid.state.ok.us.

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