Oklahoma Vehicle Accident Lawyers

Oklahoma Car Accidents

Oklahoma Auto Insurance Laws

Oklahoma is a tort state, which means that drivers are financially responsible for the property damage and personal injury they may cause during an auto accident. Liability insurance is required to fulfill this responsibility.

Oklahoma auto insurance laws require liability coverage of 25/50/25, which is $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $25,000 for any damage that you cause to the other driver's car and/or property.

However, these are only minimums, and higher levels of protection are strongly recommended, especially if you have assets to protect. After all, accidents can get very expensive, especially if injuries are involved.

Oklahoma auto insurance companies will also offer optional coverage such as medical payments, collision, comprehensive, and uninsured and underinsured motorist bodily injury coverage.

You may want to consider purchasing any or all of these policies, especially uninsured and underinsured motorist coverage. These help cover the cost of your injuries should you be in an accident with a driver with inadequate liability insurance.

How Oklahoma car insurance rates are set

For better or for worse, the price of Oklahoma auto insurance is decided by the behavior of the state's drivers as a whole. Oklahoma auto insurance companies take the cost of providing insurance for Oklahoma drivers, which includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud and divide it up among the drivers.

But the cost is not spread around evenly. Instead, Oklahoma car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you are in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.

We can handle your potential legal case if you are in any of these Oklahoma cities. Even if your city is not listed you may still speak with one of our Oklahoma auto accident attorneys by filling out our contact form or calling us toll-free at 1 (866) 664-0400.

Ada, Afton, Altus, Alva, Anadarko, Ardmore, Atoka, Bartlesville, Blackwell, Broken Arrow, Catoosa, Chandler, Checotah, Chickasha, Claremore, Clinton, Del City, Duncan, Durant, Edmond, El Reno, Elk City, Enid, Erick, Frederick, Glenpool, Grove, Guthrie, Guymon, Henryetta, Idabel, Lawton, Locust Grove, Mcalester, Miami, Midwest City, Moore, Muskogee, Norman, Oklahoma City, Okmulgee, Owasso, Pauls Valley, Perry, Ponca City, Poteau, Pryor, Roland, Sallisaw, Sand Springs, Savanna, Shawnee, Stillwater, Stilwell, Stroud, Tahlequah, Tulsa, Vinita, Wagoner, Weatherford, Woodward, Yukon