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.