Auto Insurance in Oklahoma

What is Auto Insurance?

Simply put, personal auto insurance or car insurance, is an agreement between you and your insurance company where you pay the determined premium and they will pay for losses as explained in your policy. Insurance policies are unique to each individual and their situation when it comes to premium amounts, deductibles, and limits, but are all made of the same pieces. Most car insurance policies are for 6 month or 1 year terms and a minimum level of coverage is required in almost every state.

Car insurance is primarily made up of seven different coverages. Some of them affect other coverages and some are based on personal criteria. Each of them is just as important as the others.


The premium is the amount you pay to the insurance company for your policy.

Comprehensive coverage pays for repairs to property owned by the policyholder in the event of an accident due to weather or nature such as hail damage or a collision with an animal after the deductible is paid.

Uninsured Motorist (UM) coverage is protection for the insured and insured’s passengers should an accident occur where the at-fault driver does not have insurance.

Rental Reimbursement can help pay for a rental vehicle if the insured’s is damaged due to a claim and they are without transportation while their car is either in the shop being repaired or while waiting to purchase a new vehicle. Rental Reimbursement usually gives an allowance to spend on a rental per day for a set number of days as defined by your insurance company.

The deductible is the amount you are responsible for paying when a loss occurs and there is a claim.

Liability limits are the maximum dollar amounts that your insurance company pays to the other party involved in an accident with you.

Collision coverage is what pays for repairs to property owned by the policyholder in the event of a collision after the deductible is paid.

Medical Payment coverage can take care of the cost of medical expenses for the policyholder in the event of an accident up to the limit as defined on the insurance policy.

Roadside Assistance is a program that will provide services for the insured if their car breaks down or has various mechanical issues while out driving.

Why do I Need Car Insurance?

Not only is having car insurance a requirement in most states, it is the financially responsible thing to do. Auto insurance can help when a claim or accident causes things get really expensive such as repairing or replacing a vehicle, medical bills, or in the case of a lawsuit filed against you. If you were to not have car insurance if/when these events occur all expenses would be your full responsibility and have to come out of your pocket. Some people might not think that car insurance is that important because you don’t get in an accident every day, but you never know when something can happen and it is best to be prepared for the worst.

SR-22 Insurance Endorsement

What is SR-22 Insurance?

An SR-22 Insurance document is an endorsement that shows proof of financial responsibility and a verification of auto liability coverage. The DMV in most states may require the purchase of an SR-22 if someone drives under the influence of drugs or alcohol, drives without proper insurance, is a habitual traffic offender, or sometimes if a driver is involved in an auto accident.

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Additional Resources for Personal Insurance: 

Click the following links to learn more about each of these coverages!

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