Understanding Auto Insurance with S & S Insurance Services Inc., Oklahoma City, OK
In Oklahoma, the most basic form of auto insurance is liability coverage, designed to protect other drivers from damage you may cause in an accident. The standard coverage is valued at 25/50/25, meaning $25,000 for injuries to one person, a total of $50,000 for all injuries, and $25,000 for property damage. At S & S Insurance Services Inc., located in Oklahoma City, OK, our dedicated team of independent insurance agents prioritizes the needs of our customers.
Collision Coverage
Collision coverage protects your vehicle when you have an accident with another vehicle or a stationary object. It covers repairs or replacement of your vehicle if you are at fault. This coverage has a deductible that you will need to pay before the insurance company starts covering the repair cost. Collision coverage also protects your vehicle in the event of a hit-and-run.
Comprehensive Coverage
Comprehensive coverage is designed for incidents that are beyond your control, such as weather events, theft, vandalism, and collisions with a large animal like a deer. It also has a deductible, which you are responsible for paying.
Full Glass Coverage
While glass coverage is included in comprehensive coverage, it usually comes with a deductible. However, there is no deductible when you add full glass coverage.
Roadside Assistance Coverage
Roadside assistance coverage is similar to the coverage provided by an auto club. It caters to situations like tire repairs or replacement, refueling if your vehicle runs out of gas, or unlocking your vehicle if you accidentally lock yourself out.
Rental Car Coverage
If your vehicle is damaged in an accident for which you are responsible, rental car coverage could provide you with a rental car while your car is in the shop for repairs.
Oklahoma City, OK residents and the surrounding area can count on our dedicated staff at S & S Insurance Services Inc. for all their auto insurance needs. Please don’t hesitate to give us a call today.
