Understanding No-fault Auto Insurance: What It Means for Drivers

No-fault auto insurance is primarily intended to simplify the claims process following an accident. In the 12 states that have no-fault insurance laws, each driver’s insurance company is responsible for covering their policyholder’s accident-related medical expenses and other financial losses up to the limits of the insured person’s personal injury protection policy.

This can be particularly beneficial when determining fault is complicated or when both parties share some degree of responsibility for the accident. However, most U.S. states have at-fault auto insurance laws.

Is Oklahoma a No-fault State?

Oklahoma is an at-fault auto insurance state, which means that the driver responsible for causing an accident can be held liable for covering the other party’s accident-related damages, including medical bills and property damage. Drivers must carry auto liability insurance to cover these costs, but this coverage pays only to the policy’s limits.

Oklahoma’s minimum required auto liability insurance coverage may not be sufficient to cover the total costs of a severe at-fault accident. Your agent may recommend buying more than the state’s minimum required liability coverage.

You may be able to add medical payments coverage to your auto insurance policy. This coverage can help pay for accident-related injuries for you and your passengers up to the policy’s limits.

How to Get Appropriate Auto Insurance Coverage

Understanding how your state’s auto insurance laws work can help you make informed decisions about your policy. Contact Gomez Tax Inc to learn about Oklahoma auto insurance laws. Our agents can explain your options and help you compare quotes from top insurers in your area.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.