What to do after an auto accident
There is no legal requirement to go to the police station and file a police report if both parties agree not to file, said Maxine Brandt, a police report specialist with the City of Fort Collins Police Services. However, these agreements usually break down when the at-fault party discovers how expensive repair costs will be, and decides to file a report with their own spin of what happened.Oklahoma Auto Accident Insurance Damages - News
11 (Bloomberg) -- Allstate Corp., Travelers Cos. and State Farm Mutual Automobile Insurance Co. are among insurers raising homeowners' rates after damage from natural disasters defied industry projections. Allstate, the No. 2 US home insurer,
Best to let the police and insurance company determine who was really at fault. Police need to be called to the accident scene in the following circumstances: Someone is injured; there is substantial vehicle damage; the vehicle cannot be driven;
Take note of information regarding all vehicles involved including license plates, registration and proof of insurance, as well as the specific damage that occurred to each vehicle. Do not make any statements about fault or how the accident occurred
"We have a requirement for automobile insurance, and still 25 percent of the people in Oklahoma refuse to buy automobile insurance," he said. "It's hard to figure out what finally drives people to be willing to make a purchase."
There were several pieces of jewelry on the floor nearby and several firearms were on a sheet near a sliding glass door. There was minor damage to a lock on the sliding glass door, which indicated possible forced entry.
OAI: Oklahomans without Auto Insurance Should Take Note of New ...
Oklahoma City (PRWEB) November 01, 2011
A new Oklahoma law that makes uninsured motorists ineligible for many damages resulting from vehicle accidents should be a wake-up call for those who are driving without a policy to pay for a cheap car insurance policy that will protect them financially in the event of a crash, according to Online Auto Insurance (OAI).
Starting in November, uninsured drivers in the Sooner State will no longer be able to receive damages for pain and suffering related to a vehicle crasheven if they did not cause the crash. They will remain able to recover economic costs including property damage and loss of income, but will not be allowed to successfully sue for other losses that, while less tangible, can still add up.
And the new law is only one of the penalties facing those who flout the states coverage requirements.
Under Oklahoma law, all motorists must carry enough liability coverage to pay for up to $ 25,000 for bodily injury to one person and up to $ 50,000 per accident, plus as much as $ 25,000 in property damage.
Drivers who snub those requirements are subject to license suspension, fines imposed by state officials and possibly even jail time, in addition to other municipal fines and penalties.
Source: http://www.ok.gov/oid/documents/PC-Auto_Liability.pdf
The new no pay, no play law is meant to give those who drive uninsuredeven if its because they believe they cannot afford coverageeven more reason to invest in auto policies.
But according to the Insurance Research Council, about 24 percent of Oklahoma drivers were uninsured in 2009, one of the highest percentages nationwide.
And while state law outlines the least amount of coverage consumers have to purchase to be legal on the road, industry experts typically advise consumers to spend a little extra on policies that provide more than the minimum levels mandated by their state.