Summer Storms and Car Accidents: Understanding Auto Insurance in Tulsa

The summer months can bring unpredictable and volatile weather for motorists in the Tulsa, Oklahoma, area. Tornadoes, thunderstorms and hail can all impose significant danger while you’re behind the wheel, potentially contributing to catastrophic accidents and expensive financial consequences. Understanding how your auto insurance can apply in the wake of these situations should be a top priority as you seek to retain appropriate coverage.

How Can My Auto Insurance Address Severe Weather?

With summer storms on the horizon, you’ll want to make sure that your auto insurance policy has the right components to help manage potential losses. Specifically, you’ll likely want to make sure you have the following types of coverage:

• Comprehensive coverage—This part of a personal auto insurance policy can help pay for repairs or replace your vehicle in the event of a total loss should it be damaged by severe weather. Tornadoes, hail and floods could all inflict significant losses. Additionally, if inclement weather fells a tree or causes branches to fall on your car, you’ll be covered.
• Collision coverage—While comprehensive coverage can help pay for losses caused directly by severe weather, these conditions might also increase the risk of crashes. Slippery roads and poor visibility could contribute to a collision, in which case this part of your auto policy might help pay for losses.
• Third-party liability coverage—Legally required in Oklahoma, this part of your auto insurance can act as a buffer between you and the financial consequences of losses you cause to others. If you were at fault in an accident caused by poor weather, you could face significant out-of-pocket costs without sufficient liability coverage.

In addition to the aforementioned coverages, you might also want to include the following in your policy for weather-related incidents and needs:

• Gap insurance
• Roadside assistance coverage
• Medical payments coverage

We’re Here to Help

Contact Royal Insurance in Tulsa, Oklahoma, today to learn more about auto insurance that can financially protect you and your vehicle from summer storms.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.