Full Coverage Can Mean a Lot of Things to a Lot of People
Video Transcribed: Do you really have full coverage insurance? Hey everyone, Christopher Stevens here certified paralegal with the Wirth Law Office in Tulsa, Oklahoma, specializing in personal injury in Oklahoma. Today, we’re going to be talking about the concept of full coverage.
Now, this is a term working in personal injury law I hear almost every day. If I have someone who comes in, I ask them, “Well, what type of insurance do you have?” And they might say, “Oh, I have full coverage.” Well, unfortunately, full coverage is a term that can mean a lot of things to a lot of people, very similar to the term organic in a grocery store. We might think it means one thing when in actuality, it turns out to mean another.
So with full coverage, bare minimum, that means in the state of Oklahoma, you have a 25/50 policy. Now, unfortunately, a lot of people think that might cover things like under-insured motorist coverage or med pay coverage. But in actuality, full coverage in the state of Oklahoma really just means you have the bare minimum necessary to keep your car on the road.
Now, these are types of coverages that we’ll go into more detail in later videos. But definitely ask your insurance provider if they sold it to you like full coverage, just ask them what that means.
Delve into it a bit more to see what type of coverage you’re actually getting, and while you’re at it, you might ask them how much would it be to add under-insured motorist coverage or med pay coverage to your policy.
These are just general things that you might ask them about so that way you know what it is that your policy is actually covering you. As always, if you find yourself looking for a personal injury attorney in Tulsa in which you need to seek legal help concerning your automobile accident, feel free to contact a Tulsa Automobile Accident Attorney. We can be found at wirthlawoffice.com