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Oklahoma Auto Insurance

In order to legally drive regularly you must have a minimum amount of Oklahoma auto insurance called liability insurance. This insurance acts to protect drivers financially from accidents. If you are found at fault for an accident, you become liable for all damages that occur as a result of this accident. Liability insurance covers these damages. Liability insurance can be broken down into two components: property damage and bodily injury.

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  1. Bodily Injury Insurance

    2. This insurance covers the medical expenses and injuries to third parties that you cause as a result of your driving. It does not cover injuries to you, for this coverage you need some form of medical coverage. The minimum amount of liability insurance that you can legally have is $25,000 per person and $50,000 per accident. You can raise this amount and it is recommended to do so. This is because and expenses over your liability amount are your responsibility to pay, and if you are involved in a major accident and only have the state minimums, you could be left paying several thousand dollars!

  2. Property Damaga Insurance

    3. This component of liability covers all property damage (usually the car) of third parties when you are found at fault for an accident. It does not cover your car however, and to have your car covered you need to have comprehensive and collision coverage , which is not mandatory, but may be wise if you have a newer car. The minimum amount of property damage is $25,000 and like bodily injury it is recommended to increase this amount.

Other Insurance

There are other forms of insurance that are not mandatory, but may be wise to have such as PIP insurance, which covers your injuries, and uninsured motorist insurance which covers you in the case of an accident involving a motorist who does not have insurance. Adding these insurance coverage’s will increase your premiums, as will increasing your minimum liability. For state of mind, and full protection it may be wise however to purchase these extra coverage’s. To determine what your insurance will cost with the coverage’s you choose, get a free online Oklahoma car insurance quote . This will take the coverage's you select and find the lowest prices in your area.


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