Roadside (or towing) coverage varies amongst companies on what it covers and availability. Typically, it will cover for towing, lock out, and tire change for either a set per use dollar amount or max mileage for towing. It varies between companies whether it’s available on a vehicle that has liability only, and whether all vehicles must have the coverage if one vehicle does. It’s best to check with your agent to get specifics on coverage availability and usage details.

The short answer is yes. Everyone that lives in your home of driving age must be included or excluded on your auto policy. (Coverage can be denied if there’s a non-disclosed driver in the household that causes damage or has an accident) If you give permission to someone to drive your vehicle, that does not live in your home, your coverage follows the vehicle.

In Oklahoma the minimum liability coverage required by law is $25,000/$50,000/$25,000.

Uninsured motorist coverage in Oklahoma covers for medical costs, lost wages, and pain and suffering when you are injured in an auto accident and the other party either has no insurance, or not enough coverage.

Rental car coverage/reimbursement is available when you have a covered loss. (Ex. You’ve had an accident with a deer, the vehicle isn’t drivable, and you are getting it repaired. You would be extended rental car coverage benefits according to your policy limits).

First, check for injuries and call emergency services when needed. (Seek medical attention if you are injured) Second, determine if the cost of repairs will exceed your deductible by either getting an estimate from a body shop, or making an assumption based on amount of damage if severe. Third, contact your insurance agent/agent’s office to ask questions and then make a claim when appropriate.

Sometimes there is a set number of days to add a vehicle, but it varies amongst companies. The best practice is to add the vehicle online or call your insurance agent’s office on the next business day. Verify that you receive a new identification card and an updated declarations to confirm change is made.

Coverage is NOT automatically extended for this type of exposure. If you are going to be using your vehicle for business purposes of any kind, please discuss with your insurance agent to make sure you have the appropriate/applicable coverage.

Yes, with some exceptions. A few things to consider are, only the named insureds (not all listed drivers) on a policy with comprehensive and collision coverage on at least one vehicle would have coverage that extends to a rental car.

When your teen gets their permit, call and provide their name, date of birth and permit # so they can be listed. Once they are licensed, notify your insurance agents office that they have been licensed. At that time, you can provide documents for discounts such as good student or driving school.

Rental car coverage/reimbursement is available when you have a covered loss. (Ex. You’ve had an accident with a deer, the vehicle isn’t drivable, and you are getting it repaired. You would be extended rental car coverage benefits according to your policy limits).