Oklahoma drivers must obtain two different types of liability car insurance coverage. These types of coverage include bodily injury liability and property damage liability insurance coverage. If an Oklahoma driver is responsible for an accident that results in the bodily injury of someone other than the insured driver, bodily injury liability insurance protects him or her from a many different types of claims.
Some of the types of claims covered with these types of insurance may include lost wages, medical expenses, and pain and suffering. Property damage liability insurance, on the other hand, will pay for the costs that are associated with damage to property after an accident takes place. This coverage may include the expenses that are associated with a damaged vehicle or with other pieces of property that become damaged from an accident.
Oklahoma drivers can save some money on their auto insurance in a variety of ways. For example, drivers that live in rural communities pay less for auto insurance than those living in urban regions. In addition, drivers that have security features in place on their vehicles will also enjoy lower insurance rates. These include features such as airbag and antilock brakes.
In Oklahoma, minimum liability coverage must meet 10/20/10 minimums. In keeping with these minimum liability guidelines, drivers in Oklahoma must have bodily injury coverage in effect that covers $10,000 of expenses per person injured. Drivers in Oklahoma must also carry at least $20,000 of bodily injury insurance per accident.
Bodily Injury Liability insurance, also referred to as BI for short, covers the insured driver when he or she is responsible for an accident. This type of insurance covers the costs associated with the injury or the death of someone else involved in the accident. This includes any passengers in any vehicle involved, any drivers, and any pedestrians involved in the accident.
Oklahoma drivers must also carry a minimum of $10,000 per accident in the form of Property Damage insurance. This type of insurance, which is also referred to as simply PD for short, covers the expenses associated with repairing or replacing any property damaged by the insured driver in an accident.
In order for an Oklahoma driver to register a vehicle, he or she must present proof of auto insurance. The driver can prove that coverage is in place in a variety of ways. First, the driver may present a temporary insurance card that has issued by the insurer. Another option is for the driver to use his or her premium receipt or the insurance binder that was provided by the insurance agent.
The driver’s current declarations page from the insurance policy may also be used as proof of insurance coverage. Another option is for the driver to use the actual insurance policy or the certificate of liability from the insurance policy as proof of coverage.