Bodily Injury Requirements in Oklahoma
Your auto policy will need several coverages to fully protect you in the event of a loss. Bodily injury liability coverage is required and necessary to avoid financial ruin.
In Oklahoma, bodily injury liability limits need to be set at minimum to $25,000 per person and $50,000 per accident. This coverage will help pay for the medical expenses of others when you're at fault for an accident.
Property Damage Requirements in Oklahoma
In Oklahoma, you'll need property damage liability to help pay for any expenses when you're at fault and cause damage to another party's property. Almost every state has this coverage as a requirement in some shape or form.
The lowest amount of coverage you can have in Oklahoma is $25,000 in property damage liability. Without the state minimum requirements, you could face serious penalties or worse.
Medical Payments Coverage Requirements in Oklahoma
In Oklahoma, you will not be mandated to obtain personal injury protection, or PIP, under your auto policy. PIP can help pay for your medical expenses when you're at fault for an accident and become injured.
Fortunately, you can get a similar coverage called medical payments insurance that works the same way. This protection can ensure that you're covered when medical bills start stacking up.
Uninsured Motorist Coverage in Oklahoma
Uninsured motorist coverage is required in some states when taking out an auto policy. In Oklahoma, this is not a mandatory coverage, but that doesn't mean it's not necessary.
Uninsured motorist insurance can help pay for injuries and damage sustained when you're in a collision with an uninsured driver. Currently, Oklahoma has 10.5% of its drivers without coverage, making you susceptible to a loss.
Optional Car Coverage in Oklahoma
All car insurance policies come with optional coverages. In Oklahoma, collision insurance and comprehensive insurance are commonly chosen limits and can help pay for damage to your covered autos.
To have full coverage you'll need at a minimum comprehensive and collision protection. Some other options may include rental car coverage when you're in need of a replacement vehicle and roadside assistance when you need a tow.
Car Insurance Discounts to Consider in Oklahoma
You could qualify for discounts on insurance and not even know it. Just by having multiple policies with the same carrier, you could cut costs by 30% or more.
And if you're part of an association like a teachers union, attorney group, or government agency, then you could save another 10%. When you're loyal to one carrier for a number of years, they reward you with another premium reduction. Discuss more options with your trusted adviser to see what you qualify for.
How to File a Car Insurance Claim in Oklahoma
A car accident can be a nightmare if you're not sure what to do next and who's responsible. To keep it simple, take a look at these 4 steps for filing a car insurance claim in Oklahoma.
First, get safe and seek medical attention if necessary. Second, call your independent insurance agent to report the loss and obtain a claims number. Third, if you have rental car coverage and need it, use it. Last, schedule a meeting with your adjuster to go over the loss and collect payment.