Collision Coverage Auto Insurance Oklahoma OK
Reader’s Question:
Is collision coverage always advisable? I am not too sure if I should just allow my wife to keep on driving here in Oklahoma with her current policy. She drives my old 2001 Civic.
Robert
Tulsa, OK
Good day to you, Robert. How are things in Oklahoma? Good question on collision coverage. In some ways, you can think of it as a trump card whenever you get into an accident. Maybe you’re worried that she’ll get into more bang-ups than you can bear to handle. If that’s the case and you don’t want that hassle anymore, then go jump in. But if that’s not really your cup of tea, then read on.
To better appreciate your thoughts on collision coverage and to give some more information to other readers, answer this: What is collision coverage really all about? Collision coverage is one of the standards in auto insurance, and it ensures that your vehicle will get its repairs (assuming it can still be repaired) in the event that another vehicle hits it. The auto insurance company will just require you to pay the deductibles. After you pay the deductibles, then it’s the auto insurance company who takes over the damage of your vehicles. Some say that it is better to have this if your car is new or if your car is under a lease.
Okay, so do you need it? One way to decide is to balance out the value of your 2001 Honda Civic versus the premiums and deductibles that you have to pay for. The rule is the premiums you pay for should not come near the value of your car. A simple and practical rule that I think you should use.
Tags: Car Insurance Company, collision insurance coverage, deductible
DUI and Auto Insurance Premiums Oklahoma OK
Reader’s Question:
I received a DUI offense here in Oklahoma. What’s going to happen now, and does this affect my auto insurance premiums? Also, is there a way to reduce my points so as not to increase my insurance premiums?
Michael
Tulsa, OK
“Driving Under the Influence” means that a driver is operating a vehicle or is in actual physical control of the car but is under the influence of alcohol or any other controlled substances to the extent that his or her driving abilities and reaction time are compromised.
The State of Oklahoma has stringent laws regarding DUI violations. If convicted for DUI, then this may be considered a misdemeanor since this is your first offense. You will have to serve a jail time of not less than ten days and no more than a year. You will also be required to pay a fine up to the amount of $1,000. The Department of Public Safety will be sent a notification of your conviction. They will then suspend or cancel your license depending on the court ruling.
But since you are still able to drive your car, then this means that you were granted limited driving privileges which you need to pay a $150 fine for. Since Oklahoma uses the point system, then this citation is reflected in your driving record as points. And the bad news about this is that auto insurance companies use your driving record as a basis in computing for your premiums, so you should expect an increase in the future. Check with the Oklahoma Department of Public Safety. You may be allowed to take a driver improvement course to lower your points.
Tags: auto insurance premium, DUI, DUI insurance