When you have a vehicle in Oklahoma, it is required to have auto insurance for it. Drivers must have a policy and provide proof of it when they are asked to do so. There are different types of auto coverage, and there are two types required by state law. If you have an Oklahoma vehicle, and you don’t yet have a policy, it’s time to call us at D & E Insurance Agency in Muskogee, OK to get started. 

Required Auto Insurance

Liability Auto Coverage

There are two types of liability coverage required by the state and three amounts of coverage needed. The coverage types are bodily injury and property damage liability. There are two amounts required for bodily injury coverage. One is a smaller amount for a single person who is injured in an accident you are liable for. The second is a larger amount for all of the injured parties from the accident. There is also an amount required for property damage which pays for the damage to vehicles, landscaping, buildings, etc., caused in an accident that is your fault. All of these required amounts are relatively low when you consider how much medical bills and vehicle repairs can be. You can add to the amount of coverage you have for liability in order to better protect yourself. 

Other Auto Coverage

There are other types of auto coverage that you can add to your policy. It’s often recommended that you get collision coverage. This pays for your own property’s damage after you have caused an accident. Comprehensive coverage is a type that covers various risks to your vehicle when it isn’t being driven.  

Get Your Auto Insurance

Never go without auto insurance for as long as you own your car. To get started, call us at D & E Insurance Agency in Muskogee, OK.

When you choose an independent insurance agent,  they work for you not for one insurance company. Independent agents represent many carriers, which allows them to find one that is the perfect fit for every customer. At D & E Insurance Agency in Muskogee, OK, we work with our customers to personalize their insurance coverage. 

When it comes to renting a car, you will probably be doing it online. These days it is the usual way to rent a car. As soon as you have placed your dates, destination, and car choice, questions about insurance coverage will start to pop up. Nobody wants to pay for insurance they don’t need at the same time, no one wants to be driving without having the coverage they need. 

Whether or not your auto insurance will cover a rental car depends on exactly what your policy looks like. If it is a basic auto insurance policy, then there will not be enough coverage. You need to have a policy with collision and comprehensive coverage. It needs to protect the vehicle itself, not just you, from liability. 

Before you decide to say yes to any coverage that the rental car company offers, check with your credit card company to find out if it provides rental car coverage. Many of them do. 

You do not need to take additional liability coverage from the rental car company if you are happy with your coverage. If you have home, condo, or renters insurance, you don’t need theft insurance for your vehicle. All you need is a CDW that takes you out of the picture in the event of damage to the car. It’s expensive but gives peace of mind.  

Contact D & E Insurance Agency in Muskogee, OK when you are in the market for auto insurance.  

In Oklahoma, there are laws about the kind of insurance that you must have on your vehicle as well as how much of each coverage type you need. This is not a limit on how much insurance you can have, however. It’s generally recommended to add more coverage to an auto policy in Oklahoma. The required amounts in Oklahoma are low when compared to other states, and adding onto your maximum payout amounts is a smart move. If you’re interested in auto insurance, call us today at D & E Insurance Agency in Muskogee, OK.

Bodily Injury Liability

When you get your auto insurance, there are two amounts of bodily injury liability protection that you must have. This includes a specific amount of coverage for one person who becomes injured in an accident. There is another, the higher amount required for when an accident injures two or more people. Both of these amounts are too low to pay for a serious accident in many cases. In some cases, the medical bills may go on for weeks or more as someone receives care after the accident. Your bodily injury coverage even pays for your own lawyer’s fees. 

Property Damage Liability

The state of Oklahoma also requires you to have at least a specific amount of coverage for any property that is damaged during an accident that you caused. This coverage can cover items in the other car that get broken in the crash as well as property damage is done to a home or to landscaping. This coverage is vitally important not only because it’s required but because it can save you from financial disaster if another vehicle or other items are damaged and you don’t have the money to fix it all. 

Get Your Auto Insurance

If you need auto insurance in Oklahoma, call us at D & E Insurance Agency in Muskogee, OK.