Oklahoma is a
tort state, which means drivers are
held financially responsible for the property damage and
personal injury they cause.
The degree of
fault documented by each driver's Oklahoma car insurance
company determines the amount of money each party must
contribute toward the resulting costs. This is known as
"comparative negligence."
State law requires
car owners and drivers to carry either an owner's policy
or a non-owner's policy in order to prevent any lapse in
Oklahoma car insurance protection. However, the
state requires only liability coverage,
which protects you against costs incurred when you
damage or injure someone else or their property.
Minimum amounts of
liability insurance Oklahomans must carry include:
Most Oklahoma car
insurance companies strongly recommend you carry more
than these basic minimums. You must have enough coverage
to protect yourself against financial obligations such
as medical bills and repair costs, and legal obligations
such as lawsuits.
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