Car Insurance in Oklahoma

Reader’s Question

If I meet an accident in Oklahoma, will I be covered by my auto insurance? When can I use my auto insurance?

Liza

North Cleveland, OK

Thanks for the question, Liza

It’s always good to answer questions that will clarify people’s mind. To start with, auto insurance is not for people. It’s actually for the car. So if you meet accident, you will not be covered by your auto insurance. Rather, you will be covered by health insurance or life insurance in case you have one. However, when you get injured on the road because of someone else’s fault, you can claim their auto insurance liability coverage. Since the liability coverage is the basic auto insurance for all vehicle owners, the at-fault owner or driver will be obliged to pay what’s due you. Meaning, if someone hit you, they can use their auto insurance liability coverage to pay for your medical bills. You can use your liability coverage on your auto insurance when you are the one at fault to somebody as well. Nevertheless, you can actually buy auto insurance personal accident coverage, which usually covers you and your passengers when you meet accident in Oklahoma. But then again, when you have health or life insurance, this will suffice.

Whilst the liability coverage and the personal accident coverage of auto insurance are used for the person, you can generally use auto insurance to cover cost on repairs when the car is damaged. If your auto insurance has collision coverage, it will be used to repair damages due to collision. For comprehensive coverage, all damages of the vehicle aside from collision will be covered by the auto insurance. Generally, the auto insurance will be used to cover costs of damages to the car. The costs to the damages differ according to the coverage of your auto insurance.