As a driver in Oklahoma, it’s important to know what insurance coverage you have in the event of an accident. One commonly asked question is whether or not your own insurance will cover your injuries. In this article, we’ll take a closer look at the answer to this question, as well as some of the nuances involved.
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Types of Insurance Coverage in Oklahoma
Before we dive into whether or not your own insurance will cover your injuries, it’s important to understand the different types of coverage available in Oklahoma. Here are the main types of coverage you’ll likely encounter:
Auto Liability Insurance
This is the minimum amount of insurance required by law in Oklahoma. Auto liability insurance covers damage to another person’s property or any injuries they sustain in an accident where you are at fault.
Uninsured/Underinsured Motorist Coverage
If you’re in an accident with someone who doesn’t have insurance, or doesn’t have enough insurance to cover your damages, underinsured/uninsured motorist coverage will help pay for your expenses.
Collision Coverage
If you are at fault in an accident, collision coverage will help pay for the damage sustained to your own vehicle.
Comprehensive Coverage
Comprehensive coverage typically covers damage caused by incidents that are out of your control, such as theft, vandalism, or natural disasters.
Personal Injury Protection
Personal injury protection (PIP) coverage will help pay for medical expenses you incur as a result of being in an accident, regardless of who was at fault.
Will My Own Insurance Cover My Injuries in Oklahoma?
The answer to this question is: it depends. Let’s take a closer look at how each type of coverage might come into play when it comes to covering your injuries.
Auto Liability Insurance
If you are in an accident that is not your fault, the other driver’s auto liability insurance should cover your injuries. However, if you are at fault, your auto liability insurance will only cover injuries sustained by the other party. It won’t cover your own injuries.
Uninsured/Underinsured Motorist Coverage
If you are in an accident with an uninsured or underinsured driver, your uninsured/underinsured motorist coverage will help cover your injuries. However, if you are at fault, this coverage won’t come into play.
Collision Coverage
If you are at fault in an accident, your collision coverage will cover damage to your own vehicle, but it won’t cover your injuries.
Comprehensive Coverage
Comprehensive coverage also won’t cover your injuries if you are in an accident. It only covers damage to your vehicle from incidents outside of your control.
Personal Injury Protection
Personal injury protection (PIP) coverage is the only type of coverage that will cover your injuries regardless of who is at fault. If you have PIP coverage, your medical expenses resulting from the accident (up to the policy limits) will be covered. However, PIP is not required in Oklahoma, so not all drivers will have this coverage.
Conclusion
In conclusion, whether or not your own insurance will cover your injuries in Oklahoma depends on the type of coverage you have and the circumstances of the accident. If you are not at fault, the other driver’s insurance should cover your injuries. However, if you are at fault, your own insurance won’t cover your injuries unless you have personal injury protection (PIP) coverage. It’s always a good idea to review your insurance policy carefully to understand what coverage you have and what you might need in the event of an accident.