Minimum Car Insurance Requirements in Oklahoma
The minimum car insurance requirements in Oklahoma[1] are:
$25,000 for bodily injury liability per person
$50,000 for bodily injury liability per accident
$25,000 for property damage liability per accident
$25,000 for uninsured motorist bodily injury coverage per person
$50,000 for uninsured motorist bodily injury coverage per accident
Oklahoma is an at-fault or tort state. This means that the driver who caused the accident must cover all the medical bills and property damage. They may do so through their insurance company or out of pocket. In addition, the Sooner State is a comparative negligence state, so the amount you recover will depend on how much you’re at fault for the accident.
Why is car insurance required in Oklahoma?
Auto insurance protects drivers from financial liability in the event of an accident. Depending on a policy’s specific coverage limitations, car insurance may cover everything from vehicle damage to medical bills.
Bodily Injury Liability
Bodily injury liability is part of your liability car insurance coverage. If you cause an accident, this coverage will help cover the other party’s medical expenses. This type of coverage will not cover your own medical expenses for injuries sustained in a car accident you caused. Bodily injury liability coverage is required in Oklahoma.
Property Damage Liability
Property damage liability is the other half of your liability car insurance. It covers repair costs and damage expenses to the other cars involved in an accident you caused. This coverage does not cover damage to your own car in an accident you were at fault for. Property damage liability coverage is required in Oklahoma.
Personal Injury Protection
Personal injury protection, also known as PIP, covers medical bills, lost wages, and replacement services for you and other members of your household if you’re injured in a car accident. PIP provides coverage regardless of who is at fault for an accident. Personal injury protection is not required in Oklahoma.
Uninsured/Underinsured Motorist Coverage
If an uninsured (or underinsured) driver causes an accident and you suffer bodily injury, uninsured motorist coverage will cover your medical expenses. If the at-fault driver surpasses their bodily injury liability coverage limits, your underinsured motorist coverage will cover the rest of your medical expenses. Uninsured/underinsured motorist coverage is required in Oklahoma.