FAQ on Car Insurance, Auto Insurance, and Homeowners Insurance In Oklahoma City, Midwest City, Shawnee, Moore, Norman, OK, and Surrounding Areas

Q. Am I covered by my auto insurance policy if I am going to be renting a car?

A. Not completely! Although physical damage and liability extend from your automobile policy there are certain costs that are not covered. We recommend purchasing the Collision Damage Waiver each time you rent a vehicle. Also, please inspect each vehicle thoroughly before driving away, there may be existing damage that you can be charged for later. For more information on what is not covered in the event of a loss please read the following article:

“The Top Ten Reasons to Purchase the Collision Damage Waiver When Renting a Vehicle”.

Q. What is the Oklahoma Wrongful Death Statute?

A. When the death of one is caused by the wrongful act or omission of
another, the personal representative of the former may maintain an
action therefor against the latter, or his personal representative if
he is also deceased, if the former might have maintained an action,
had he lived, against the latter, or his representative, for an injury
for the same act or omission. The action must be commenced within two
(2) years.

B. The damages recoverable in actions for wrongful death as provided
in this section shall include the following: Medical and burial
expenses, which shall be distributed to the person or governmental
agency as defined in Section 200 of Title 56 of the Oklahoma Statutes,
who paid these expenses, or to the decedent’s estate if paid by the

The loss of consortium and the grief of the surviving spouse, which
shall be distributed to the surviving spouse.

The mental pain and anguish suffered by the decedent, which shall be
distributed to the surviving spouse and children, if any, or next of
kin in the same proportion as personal property of the decedent.

The pecuniary loss to the survivors based upon properly admissible
evidence with regard thereto including, but not limited to, the age,
occupation, earning capacity, health habits, and probable duration of
the decedent’s life, which must inure to the exclusive benefit of the
surviving spouse and children, if any, or next of kin, and shall be
distributed to them according to their pecuniary loss.

The grief and loss of companionship of the children and parents of the
decedent, which shall be distributed to them according to their grief
and loss of companionship.

C. In proper cases, as provided by Section 9 of Title 23 of the
Oklahoma Statutes, punitive or exemplary damages may also be recovered
against the person proximately causing the wrongful death or his
representative if such person be deceased. Such damages, if recovered,
shall be distributed to the surviving spouse and children, if any, or
next of kin in the same proportion as personal property of the

D. Where the recovery is to be distributed according to a person’s
pecuniary loss or loss of companionship, the judge shall determine the
proper division.

E. The above-mentioned distributions shall be made after the payment
of legal expenses and costs of the action.

Q. What is Personal Umbrella Coverage?

A. A personal umbrella policy goes above and beyond the existing limits of both your homeowner’s and automobile insurance policies. It can provide coverage in excess of $1 Million or more dollars. A personal umbrella policy can help protect your assets in the event that you are sued. Umbrella coverage is fairly inexpensive, and well worth the price in the case of a lawsuit. Please contact our office if you would like to learn more about the importance of an umbrella policy!

Q. My insurance is costly. What can I do to lower my premium, yet keep the same coverage?

A. Put all your eggs in one basket!
By putting all your insurance with one company you can take advantage of multi-policy discounts which average 15% off! If you have your auto insured with us, we can most likely put your home or renter’s policy with the same company you have your auto with, and vice versa if we already have your home. Please contact our agency today, to find out how much you can save by putting all of your “insurance eggs” in one company’s basket!

Increase your deductible!
One of the best ways to save money on your home and auto premiums is to increase your deductible. By raising your homeowner’s, collision, and other than collision deductibles you can save!
For example : A person has his home and auto insured with the same company. He has a $250 deductible on his home, and $250 comprehensive and $250 collision deductibles on his car. His total yearly premium is $989.00. If he were to increase his deductibles to $500 (for his home, his comprehensive coverage, and his collision coverage) he would lower his yearly premium to $874.00!
Get Wired!
Almost all of our companies charge installment fees, and these small amounts do add up! By selecting an electronic funds transfer option, you can take the headache out of insurance payment options. Each month your premium will be taken out automatically out of your checking account, and most companies then waive those nasty little installment fees! To switch to Electronic Funds Transfer (EFT) contact our agency today!
Take advantage of discounts!
Does that new car of yours have anti-lock brakes? Front and side airbags? A fancy alarm? Well, make sure we know about it! Sometimes companies offer additional price breaks if your car has these features!
Good Students
Does your teenage driver get good grades? Well, some of our companies want to know! A copy of a recent grade report can help you save! (Not all companies offer these discounts, but it doesn’t hurt to ask!)
Multi-Vehicle Discounts
If you were recently married, or your husband or wife has always had a separate policy, now is the time to combine them! Almost all of the companies we write with offer additional discounts if more than one vehicle is insured under the same policy! Please contact us today if you have another vehicle insured in a different company! (This offer may not extend to Antique Automobiles)

Q. I'm thinking about getting a dog. Does my homeowner's insurance have any dog restrictions?

A. There are many great dog breeds available to us, and all of us have a favorite kind. However, some breeds are considered to have a tendency to be aggressive. You will want to contact one of our customer service representatives to confirm that your breed of choice does not make you ineligible for your homeowner’s insurance.

Q. Why is my home insured for so much? I couldn't get that much for it if I sold it!

A. Today’s homes are insured for what is termed “Replacement Cost”, which basically means that they are covered for what it would cost to rebuild in today’s market. It helps to cover some of the hidden costs in the event of a loss. For instance, your home burns down, the cost of removing and disposal of debris from the home is taken out of the dwelling amount, or Coverage A. So if your home is insured for $100,000, and it takes $5,000 to remove all the debris left behind, you are going to be shorted $5,000.00 if your house isn’t insured to full replacement cost!