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J. K. Meadors & Co Blog

All You Ever Wanted to Know About Insurance

Auto Insurance: Required in Oklahoma

Don’t put yourself at risk by driving without the proper Oklahoma insurance! Here is the vital information you need about auto insurance and how you can make certain you’re fully protected.

Minimum Liability Insurance Is Mandatory for Oklahoma Drivers

If you want to register a vehicle and operate it legally in Oklahoma, you must carry at least the minimum auto liability coverage required by the state:

  • $25,000 of bodily injury protection per person
  • $50,000 per accident
  • $25,000 of property damage protection

This protects both you and other motorists because it pays for medical bills and property damage if you are at fault in an accident. Without this coverage, those expenses would have to come out of your own pocket.

Is the Minimum Liability Coverage Enough?

The coverage amounts listed above are only the minimum required, however. We agree with the state government that you should carry more liability protection. This is because auto accidents are so expensive these days due to the high cost of vehicles and medical care. If you total someone’s luxury car or an accident victim is permanently disabled, you would have to pay the difference between your insurance cap and those expenses yourself.

We therefore suggest increasing liability coverage to at least:

  • $100,000 of bodily injury protection per person
  • $300,000 per accident
  • $100,000 of property damage

You might want even more liability insurance if you have a young driver in the household, if you drive more than the average person, or if you are a high-net-worth individual.

You Can Get Better Protection with Full Coverage Auto Insurance

Liability insurance only pays for other people’s medical bills and property damage. To cover your own vehicle if you’re at fault in an accident, full coverage is recommended. This includes:

  • Collision insurance - pays for the repair or replacement of your vehicle after a crash
  • Comprehensive insurance - covers loss or damage due to theft, vandalism, fires, storms, and most natural disasters

If you finance your car or truck, your lender will most likely require full coverage auto insurance, but it’s a smart move for most vehicles. It gets you back on the road quickly after an accident with only a small deductible coming out of your wallet.

Our Independent Agents Have the Best Selection for Your Auto Insurance

When you’re shopping for auto insurance in Oklahoma, our independent agents can offer you a wider array of choices than you’ll find with big companies, which only have a few products to select from. We give you personalized service and an auto policy tailored to your needs and budget. And at J. K. Meadors & Co, we make it easy to upgrade your policy, bundle with other types of coverage, and file a claim should the unexpected happen.

Call us today at 405-377-0000 to discuss your auto insurance needs. Or simply reach out online to start a quote anytime, at your convenience.