I have a teen driver who has a bad driving record so I need to know if I can keep him off my car insurance policy so I can get the best deal on car insurance.

Orion

Broken Arrow, OK

The cost of car insurance premium rates is undoubtedly high these days. The law requires you to have car insurance if you’re a motorist and these insurance providers know that they have you over a barrel. So you need to do a little research to make sure that you can get the best deal for your car insurance in Broken Arrow, Oklahoma. In case you have two or more cars, you can ask for multiple car discounts and put all your cars in just one policy. Also, for the cars that are paid off, you may opt to reduce your insurance coverage on those cars. You are required by law to have comprehensive insurance if you still loan the car but if it is paid off, you can just carry liability coverage.

Regarding your teen driver who has a bad driving record, you can sign a waiver so that you can keep him off your car insurance policy. Most car insurance providers would like to give coverage to all of the drivers in the household but you will be charged less on your premiums if you don’t let your teen drive your car. But of course, you will not be covered if he drives your car and initiates an accident.

I have never gotten into a car accident here and of course I don’t wish to. But in case I’ve been involved in one, what if my auto insurance coverage is not enough to pay for any damage or injury to other people?

Nathan

Lawton, OK

Having liability coverage for your auto insurance in Lawton, Oklahoma is very necessary. The state mandates particular levels of minimum auto liability insurance because that would be the coverage that would pay for the damage that you cause to other people, and that includes bodily injury and property damage. It would also pay for your legal bills if you are the one who causes the accident.

The bodily injury coverage would include the medical bills and lost wages; coverage for the repair or replacement of property that has been damaged such as other vehicles and properties you run into. It could also pay for “pain and suffering” damages if another person files a lawsuit against you after a car crash. However, that would only be up to your auto liability limits so keep in mind that your obligation does not end at your liability limits. In case your car insurance is not enough to pay for the damage or injury that you cause to other people, you are going to obliged on the hook to pay the remaining worth of damage that your insurance could not cover and you can be sued for it.

My cousin doesn’t have an auto insurance and he was involved in an accident here in Oklahoma that is caused by drunk driving but it wasn’t completely his fault. Will the other party at fault’s auto insurance pay for the repairs to my cousin’s car?

Marcus

Broken Arrow, OK

Yes, the other “party at fault” during the drunk driving accident there in Broken Arrow, Oklahoma would have to pay for the repairs of your cousin’s car assuming that unlike your cousin, the “party at fault” is carrying at least basic liability coverage, his/her auto insurance will pay for the damage incurred by their client. But if the fault for the drunk driving accident is shared, for example 50/50, then the other driver’s auto insurance would cover his/her portion of the damage, but would only cover your cousin’s portion if the other driver is also carrying uninsured motorist insurance.

But uninsured motorist insurance is not mandatory in all of the states, and your cousin should not count on it. Whatever the insurance situation of the other driver is, not carrying auto insurance is against the law, so your cousin would be wise to buy it. Penalties for not having auto insurance usually involve license and/or registration suspension or revocation and substantial fine. You may advise your cousin to get an online rate quote now from this website for great auto insurance.