The other day I was driving in the little town of Claremore, Oklahoma. I came to a four way stop. As I waited for the each driver to take their turn, I realized that one in four drivers in Rogers County does not have auto insurance. That means, that at least one vehicle stopped at this four way stop with me, does not have insurance and would not be able to cover my vehicle or bodily injuries should they be involved in an accident with me! Talk about feeling nervous.
Thankfully no one hit my car, but it certainly got me thinking. How can I keep from being a victim of this staggering statistic? That’s when I remembered that Oklahoma auto insurance policies offer a little extra coverage called Uninsured Motorist. Of course, it’s not free, but it’s also not very expensive. So why would I consider passing up this coverage?
In the state of Oklahoma, Uninsured Motorist is an extra coverage that each policyholder has the option of adding to their auto policy. Uninsured Motorist covers your bodily injuries and anyone in the vehicle with you at the time of the incident. However, in Oklahoma, Uninsured Motorist does not cover your vehicle. In other states it does, but at this time, in Oklahoma, Uninsured Motorist just covers you and your passengers’ bodily injuries.
If you could protect yourself and your passengers, would you do it? Of course, it would be silly not to. Uninsured Motorist is relatively inexpensive. You cannot always control what happens on the road outside your vehicle. So if you are involved in an accident with a driver that does not have auto insurance or does not carry enough insurance to cover you or your passengers’ bodily injury, Uninsured Motorist will help cover your medical expenses. It’s a great investment.
So next time you’re in the Rogers County area and you come up to a four way stop, take a look around. One out of the four vehicles at that four way stop will not have insurance. Are you okay with not carrying Uninsured Motorist?
RCI Insurance Group is located in Claremore, Oklahoma. If you would like more information regarding auto insurance or uninsured motorist, give us a call at 918-341-6081, or check out our website at www.rci-ins.com. We will be happy to answer any questions you may have regarding your auto insurance.