Don’t depend on the required Tulsa car insurance coverage to protect you.

Thinking that this will never happen to you is not justification for carrying only the required Tulsa car insurance coverage.

The basic liability coverage that is required with all Tulsa car insurance policies doesn’t come anywhere near what you actually need. Most people don’t think that a car accident will ever happen to them so they are not concerned about having a good amount of car insurance coverage.

Unfortunately for them, the car accident statistics from the Oklahoma Department of Public Safety Oklahoma Highway Safety Office say otherwise.

Tulsa’s Car Accident Statistics

In 2011, there were 10,364 car accidents in Tulsa. That is an average of 28 car accidents every single day. Now, compared to Oklahoma City who had 15,634 car accidents in 2011 or an average of almost 43 car accidents a day, Tulsa’s car accident statistics look pretty good.

Even though Tulsa has fewer car accidents than Oklahoma City, it also has a smaller population and 28 car accidents a day is still a lot.

From the Oklahoma Department of Public Safety Oklahoma Highway Safety Office, here are some more interesting (and sad) car accident statistics for 10,364 accidents that happened in 2011:

• 43 accidents resulted in a fatality
• 444 accidents had injuries that were incapacitating
• 1653 accidents had basic injuries
• 2259 accidents had possible injuries that were never confirmed

The Required Tulsa Car Insurance

Because of the accidents above, the State of Oklahoma has made it a requirement to carry liability car insurance coverage if you want to drive. Liability coverage pays for the other person’s damages and medical expenses in the event that you cause a car accident. They are there to protect you from other people causing damage to you and your vehicle and not being able to pay for it, and also to protect you from financial ruin in case you do cause an accident.

These required liability coverages are:

• $25,000 to cover damage you do to another person’s property
• $50,000 to cover all medical expenses in an accident if there are multiple injuries
• $25,000 to cover the medical expenses on a single person

Why You Need More than the Required Tulsa Car Insurance

If you drive your vehicle every day, it is just a matter of time before you will be involved in one of those 28 daily accidents. And if you are involved in one of the accidents that are listed above that has an injury or a fatality, your car insurance policy that only includes the required Tulsa car insurance coverage is not going to cover your medical bills.

I can already hear you saying, “But, I am a safe driver and I will never cause an accident”. Well, it only takes a quick glance away from the road from a distraction, bad weather, or any number of small things that can easily lead to an accident that is caused by you. They are called accidents for a reason, you don’t mean for them to happen but they still do.

So if you do cause an accident, you will be better off if you have insurance coverage that pays for your medical expenses. For more information on what coverages you need to add to the required Tulsa car insurance coverage to give you enough protection, contact your insurance agent today.

Always buy more Oakland car insurance than what is required to be able to drive.

Having only the required Oakland car insurance coverage won’t protect you from this.

The basic Oakland car insurance requirements were created by the State of California to protect you from another person’s negligence. They are in place so that if you are not at fault for an accident that you don’t have to pay for the damages yourself.

But, these car insurance requirements don’t do anything to protect you from having to pay for damages to your vehicle that are caused by you or by an act that is not a car accident.

Oakland Car Insurance Requirements

Oakland car insurance requirements are the same throughout the state because it’s the state that controls the insurance system. These requirements include having no less than the following insurance coverage:

• $5,000 in liability property damage coverage
• $15,000 in bodily injury liability coverage per person
• $30,000 in bodily injury liability coverage for the entire accident if multiple people are injured.

(Source: California DMV)

Adding Additional Oakland Car Insurance

The Oakland car insurance requirements above don’t come anywhere near the amount of insurance that you actually need for you and your vehicle to be fully protected. For one, if your car is ever stolen or vandalized you will end up having to pay for it yourself. This is because the liability coverage that you are required to have doesn’t cover your own vehicle, it only covers the damage that you do to another person’s vehicle.

So if you live in an area that is prone to car thefts or vandalism, you are going to want to add at least comprehensive coverage to your vehicle. This is to make sure that there is coverage in case anything like this happens.

Also if you depend on your car to get you to work each day because you don’t want to ride the bus or you aren’t close enough to get to BART, you are also going to want to make sure that you have collision coverage on your insurance policy. This coverage pays for the damages to your vehicle whether you are at fault for an accident or not. That way you don’t have to wait to drive your car again until you can save enough money up to get it fixed.

If your vehicle is ever damaged and will be in the shop for longer than you can live without it, rental car coverage will pay for a rental car for you to be able to get to work in.

For more information on what insurance coverages you need on your Oakland car insurance policy to be adequately covered, contact your insurance agent or company.

The specific driving privilege that a teen has determines if they have to be on your car insurance policy.

Teen drivers with driving permits DO NOT have to be listed on your insurance policy. They are not officially licensed drivers yet, and they cannot drive without an experienced licensed driver in the vehicle, so insurance companies don’t look at them the same way as they do teens with their official license.

However, talk to your insurance agent or company about their specific policy on teen permit drivers. This would also be a great time to talk to your insurance company or agent as to what you and your teen driver can do to decrease the impending jump in your car insurance premium once they are added as drivers to your policy.

Driving without Miami car insurance is just one of many ways to lose your driver’s license here.

Don’t lose out on driving on fun roads like these just because you didn’t want to purchase Miami car insurance.

If you enjoy the driving privileges that you have, don’t do anything stupid, like drive without Miami car insurance and end up getting your driver’s license suspended. Driving is not a right that you have been granted under the Constitution, it is a privilege to help you get around the area easier. So just like when a parent punishes a child by taking away something fun when they disobey, if you disobey the law the government is going to take away your fun of being able to drive.

Miami Car Insurance Requirements

To be able to drive in Miami you have to have specific car insurance coverage on your vehicle. These coverage requirements are created by the state, and are in place to protect you from damage that another driver may cause to your property or to you personally.

These required coverages include $10,000 in coverage for liability property damage, and $10,000 in personal injury protection (also known as PIP coverage).

The liability property damage coverage pays for damage that you do to another person’s property with your vehicle.

The PIP coverage is to pay for your own medical expenses. This PIP coverage makes sure that you are taken care of regardless of who is at fault for the accident, and without having to wait for the other person’s insurance company to accept liability for the accident before they will pay for any of your expenses.

No Miami Car Insurance?

If you decide to drive without Miami car insurance you can expect to lose your driver’s license, as well as your vehicle registration for up to three years. You could get it back sooner if you provide the information needed to prove that you have car insurance coverage in place.

But, just providing proof of insurance coverage won’t get you your driving privileges back. You will also be required to pay a reinstatement fee that starts at $150 and can go all the way up to $500 if you keep getting caught driving without Miami car insurance.

Other Ways to Lose Driving Privileges in Miami

Driving around without car insurance isn’t the only way you can lose your driver’s license and/or your vehicle registration. You can also lose your driver’s license for the following acts:

• Points Suspension
• DUI revocation
• Habitual Traffic Offender
• PIP Insurance Cancellation
• Judgment
• Worthless Check
• Child Support
• Out of State suspension
• Out of County suspension
• Any other suspension/revocation that is not for failure to pay or appear for a traffic violation in Miami-Dade County.

Compared to this list, getting caught driving without Miami car insurance is the easiest way to get your license and registration suspended, but it is also the easiest one the prevent.

Source: http://www.flhsmv.gov

Omaha car insurance is mandated by the state, but is enforced and required in every your do related to driving.

Omaha car insurance regulations flow from the state down to the city level.

To be able to drive you have to have Omaha car insurance, or some sort of verification of financial responsibility showing you can pay for an accident you are at fault for. Without this insurance or verification of financial responsibility, not only will you get a traffic citation for driving without insurance, you won’t even be able to register your car.

Minimum Omaha Car Insurance Coverages

The amount of coverage that you must have for your Omaha car insurance is determined by the State of Nebraska, not the City of Omaha. So if you purchase a car insurance policy in Omaha, the limits on that policy are just as valid in Lincoln as they are there.

There are only 3 coverages that you absolutely have to have on your Omaha car insurance, and all three of them are liability coverages. Liability coverage pays for the expenses that another person may have due to an accident that is your fault. This coverage does not pay for anything for your vehicle or any of your own medical expenses. But, there are additional coverages that you can add to your Omaha car insurance policy to make sure that you do have insurance protection for your vehicle and yourself.

As far as the state minimum requirements go though, you are only required to have:

• $25,000 in liability coverage for damage you do to another person’s property.
• $25,000 in liability coverage for the medical expenses that a person not in your vehicle may have due to an accident that you cause.
• $50,000 in total liability coverage for all the medical expenses of everyone involved in a single accident may have.

Omaha Car Insurance for Vehicle Registration

To be able to register a vehicle in Omaha (Douglas County), you have to be able to show proof of the above required car insurance. You don’t need your declaration page to show the exact coverages that you have, you just need an original document from the insurance company that has:

• The insurance company name
• The name of the insured
• The Vehicle Identification Number
• The year, make, and model of the vehicle being registered
• The expiration date of the insurance policy

You don’t need to show the coverages to verify that you are carrying at least the minimum required coverages because Omaha car insurance agents aren’t allowed to sell a car insurance policy with anything less than those requirements.