Being a vehicle owner in the state of Oklahoma carries with it a specific set of responsibilities. In the old days, the law stated that vehicles had to be “tethered” when parked outside of public buildings. Today, that law is no longer in effect. However, a much more important law has been enacted: All Oklahoma drivers are required to maintain auto insurance from an auto insurance company in Edmond OK.
In addition to having an auto insurance policy, all vehicles are required to be registered with the Oklahoma Department of Motor Vehicles (DMV) at the time of purchase. To get a vehicle registered, the owner must take the vehicle title and proof of identification to the DMV. Ideally, a person who is registering a new vehicle will also have their new insurance policy set up at the time they register the vehicle. This will move the process along more quickly.
The level of auto insurance required by Oklahoma state law is considered a minimum starting point, but drivers are always free to purchase more coverage if they feel it is necessary. The following minimums must be met before a person may legally drive in Oklahoma.
1. Bodily Injury Coverage (a form of liability coverage): $25,000 per individual and $50,000 per accident in total
2. Property Damage Coverage (also a form of liability coverage): $25,000 per accident in total
3. Uninsured Driver Bodily Injury Insurance: $25,000 per individual and $50,000 per accident in total
Of the coverage types described above, only one of them is a non-liability coverage. The uninsured driver coverage exists to cover the driver in the event that they become badly injured due to another driver who does not have any insurance. Other than that uninsured driver coverage, no other bodily injury coverage is required by state law. However, the smart Oklahoma driver will choose a policy that protects them in case of an accident that they cause themselves (collision coverage) or damage that occurs while the vehicle is parked (comprehensive coverage.)
If you are looking for auto insurance company in Edmond OK, consider calling American Insurance Partners LLC. Their experienced team of agents can customize the perfect policy for your auto insurance needs.