If you haven't tried us, you're paying too much!

Cheapest Auto Insurance

Cheapest Auto Insurance

2615 N. MacArthur Blvd.

Oklahoma City, OK 73127

Blog

Welcome

 

This is our FAQ/Blog page about how to save money on car insurance, other auto topics, and informative articles about Oklahoma City and Oklahoma.

By cheapestaut6836694, Nov 17 2017 07:36AM

Source: A-team Car & Van Body Repair Centre in Wolverhampton

The road can be very dangerous, and car accidents are inevitable. Dealing with road mishaps are seriously stressful, but these unlucky events can be eased up a bit by following some helpful road tips. Here are the important things to do after a car accident.

Stay Calm and Focused

Accidents are very unfortunate yet the very first thing you need to do is to stay calm and focused. Clear your thoughts and make sure everyone is safe. If the accident is minor, get to a safe place to avoid incoming traffic and shift into park, then turn off your vehicle. Don’t forget to turn on the hazard lights and make use of warning triangles, cones or flares for added advisory to other vehicles.

Ask for Help

If anyone from your passenger or a third party needs immediate medication, call the ambulance. Then, contact the police and insurance agent for direct assistance. Calling your insurer as soon as possible is very important so that they can access your policy beforehand and the process for claims will be easier.

Gather Needed Information

Everything should be taken account if you had an accident— the names, contact numbers, vehicles, etc. Gathering all the information after the accident will help you and the other party distinguish who is at fault, though this must also be with the help of the police and eyewitnesses.

1. Name of the drivers with their contact numbers and driver’s license, as well as all passengers and witnesses

2. Name of the police officers with badge number

3. Time and place of the accident

4. Number of vehicles involved, including the model, make, year, and license plate numbers

Take Photos, if safe to do so

Almost every driver has a phone with camera so it’s easier to get a photographic evidence of the accident. However, only take pictures of the accident scene if it’s safe and possible.

Never Sign any Document from Strangers

To avoid further mishaps, do not sign any document other than those from the police or your authorized insurance agent. There are a lot of opportunist who will take advantage of an accident, either to release himself from fault or benefit from your money. So, it is always advisable to trust only the authorities at hand and not other people.

File a Claim

Once everything is fine— the police already had noted the accident and the insurer gets a copy of all important details, you can now file a claim. You can even process the claim immediately after the accident, if it is minor. Your insurance agent must be able to provide you with available options for claim, starting with the repairs of the vehicle, the amount of liability, excess and the like. Filing a claim must be easy and fast, and if you want to make sure that you get a reliable claim, together with a cheaper insurance rate, then head on to Cheapest Auto Insurance.

By cheapestaut6836694, Nov 24 2016 06:42AM

Before anything else, let us discuss in the easiest manner what is SR-22.

SR-22 or commonly known as Certificate of Financial Responsibility or Certificate of Insurance, is a certification required by the state for drivers who were involved in an accident, without liability insurance or legally required coverage. This certification is needed to reinstate or maintain the driving privileges of the affected party.

If you are a self-professed driver who got messed up with a traffic accident or violation, apparently you need to get an SR-22 insurance. But don’t worry, we'll guide you every step of the way, even at this toughest time.

IN OKLAHOMA, SR-22 IS NOT REQUIRED

As a general rule, the state of Oklahoma does not require for an SR-22. However, you need to be careful with this exception. For out of state residents, who got into an accident in another state, you need to follow the state rules where the accident happened. Consequently, if your license got suspended in another state, that will also be the case when you get back to Oklahoma. So be sure to get an SR-22 state in the place of accident.

ACCIDENT IN ANOTHER STATE

When accident happens other than the state of Oklahoma, you will be following the state where the accident occurred. But the great thing about it is your insurance policy will depend on the other state's requirements. There is a possibility that your insurance company will match the premium required by the other state.

NON-OWNER SR-22 AUTO INSURANCE

Even if there is no requirement to have an SR-22 in Oklahoma, you can still get an Non-Owner SR-22. By getting this certification, it allows drivers to drive any motor vehicle based on what is expressly written in the policy contract. Thus, even if you do not own a motor vehicle, you can still satisfy some requirements of other states. But just be careful about the specifications of the places.

OKLAHOMA MINIMUM LIABILITY COVERAGE

Even if Oklahoma is one of six states that do not require for an SR-22 insurance requirement, drivers must still follow the minimum coverage liability as follows: $25,000 bodily injury per person, $50,000 total bodily injuries and $25,000 property damage. The state of Oklahoma is simple and strict with these requirements. Just like any states in the Unites States of America, you need to oblige with the rules, or else you will face the bitter consequences.

RIGHT INSURANCE COMPANY

You might not feel the importance of having a car insurance until you experience the uncertainties in the road. And with the splurge of numerous insurance companies in Oklahoma, you might have a difficult time choosing the right one. Each company will give you different quotation, so you need to be keen before making your selection.

The bottom line: Follow the state's rules and of course the traffic regulations to avoid regrets. You can always anticipate about your life and it is better to be prepared than be sorry.

Did we cast all your insurance inhibitions away? And if you have more questions about SR-22 or anything about your car insurance head on to aautoandhomeinsurance. We will answer all your inquiries!