Optional Auto Insurance
Collision Coverage
Collision insurance pays to repair your vehicle in the event of an accident. The repairs covered under this policy cannot exceed the vehicle’s actual cash value. If the repairs do exceed the actual value, the vehicle will likely be declared a total loss.
Tip: Opting for a higher deductible helps reduce your annual insurance premium. However, remember deductibles are due at the time your vehicle is repaired which can create a financial burden during an already stressful time.
Comprehensive Coverage
Comprehensive insurance also covers damages to your vehicle. However, the difference is that comprehensive insurance covers damages from theft, vandalism, fire, flood, hail and the random deer hit. Comprehensive and collision are really meant to go hand-in-hand, what is commonly referred to as full coverage auto insurance.
Rental Car Coverage
Rental Care Coverage helps cover the cost of renting a vehicle if your vehicle is out of commission due to a covered loss, such as a car accident or theft. Rental car coverage has varying limits depending on your policy, be sure to discuss with your insurance agent what limits are right for you.
Uninsured / Underinsured Motorist
Uninsured motorist’s protection in Oklahoma covers personal injuries to you and the occupants of your car caused by another driver. Coverage is limited to medical costs up to the policy limit and may also cover lost wages due to injures or damages for pain and suffering. Uninsured motorist protection in Oklahoma does not pay for damages to your vehicle, as damages are covered by collision and comprehensive insurance.
Medical Payments Coverage
Medical payments coverage will help pay medical expenses when a covered person is injured in an auto accident. This insurance option is handy and affordable. No matter who is responsible or what vehicle you are in, you are covered. If you get hit by a car while walking or riding your bike, this policy will start paying your medical expenses, up to policy limits. And better yet, there are no deductibles or co-pays.
Roadside Assistance
Roadside assistant covers all of those unpredictable moments while on the road. For peace of mind, no one should leave home without roadside assistance on their vehicle. Life throws many curveballs, like: getting a flat tire, locking your keys in the car, running out of gas, or leaving the interior lights on resulting in a dead battery. With this coverage, help is just a call away.
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