Bodily Injury
If the policyholder or another driver covered by the Oklahoma policy is found to be at fault in an accident resulting in injuries or fatalities, the following is covered under bodily injury coverage:

• Medical expenses
• Lost wages
• Pain and suffering
• Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident

Bodily injury coverage pays for damages caused to a third party.

How much protection does this coverage provide?
The dual coverage limits you select in your Oklahoma auto insurance quote refer to the maximum amounts that will be paid per person, per incident, respectively.

Property Damage
If you or another covered driver is found to be at fault in an accident, the following is covered under property damage coverage:

• Damage to another person's property(e.g., fence, car, or home)
• Legal costs associated with a damage incident

How much protection does this coverage provide?
The coverage limit you set in your auto insurance quote refers to the maximum amount that will be paid per accident.

Medical Payments
Medical payments coverage pays for medical and dental treatment, hospitalization, professional nursing services, prostheses, and funeral expenses if a covered driver and/or accompanying passengers are injured while in an insured vehicle, regardless of who is at fault in the accident.

Medical payments may also cover policyholders and their family members when they're injured while riding in someone else's car or if a car hits them while on foot or bicycling.

If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your health insurance policy for details.

How much protection does this coverage provide?
The coverage limit refers to the maximum amount that will be paid per person, per accident. If selected, all vehicles on a policy must carry the same Medical Payment limits.

Uninsured/Underinsured Motorist Bodily Injury
Uninsured/underinsured motorist bodily injury is an optional coverage that compensates you for excess wage loss and pain and suffering. This coverage only applies if a hit-and-run vehicle or uninsured motorist strikes you. If you select this coverage, the same coverage limits will apply to all vehicles on the policy. The chosen limits for this coverage cannot exceed the selected Bodily Injury limits.

Who's covered?
If the covered individuals are injured in an accident caused by a driver who has no insurance or insufficient coverage, compensatory damages will be covered. This coverage provides benefits to the policyholder, other authorized policy members, and passengers.

How much protection does this coverage provide?
The dual coverage limits you see in your quote refer to the maximum amount that will be paid per person, per incident, respectively.

If the other driver is uninsured, this coverage can generally pay up to the limit you purchase. If the driver is underinsured, this coverage typically pays the difference between what’s covered by the other driver's insurance and what’s covered by your bodily injury coverage.