Have you ever been involved in a hit-and-run accident? If so, you know firsthand how aggravating it can be to receive compensation for any damage, especially if the at-fault driver is never caught. Fortunately, though, there are several ways in which auto insurance can be used in your favor after a hit-and-run takes place. The most important thing you can do to ensure you are covered is by speaking with a qualified agent serving the Oklahoma City area. 

First of all, collision coverage will prove to be of the utmost benefit when it comes to hit-and-run accidents. Probably one of the most notable features about collision insurance is that it doesn’t matter whose fault the accident is, benefits will still be paid out to cover the damage. This means that even if you aren’t at fault, you will likely have the opportunity with collision coverage to make a claim with your own insurance company on your policy; this is regardless of whether or not the other driver is found.      

You’ll also find that having personal injury protection (PIP) to be of immense value after a hit-and-run accident takes place. Although policies vary from one insurance provider to another, many PIP benefits include giving you protection against lost wages as well as expenses accompanied with taking care of your children if you’re in an accident and become unable to care for them.        

If you have yet to take a look at your current policy to determine the type of coverage you’ll have in the event that you’re the victim of a hit-and-run accident, you’ll definitely want to speak with an agent at FM Insurance who serves the Oklahoma City area.

 

There are various autumn car care tips that you should follow. Throughout autumn as well as winter, Oklahoma City is going to experience snow, ice, sleet, and colder temperatures. There are ways for you to prepare so that you don’t experience any car problems.

Find a Mechanic

Find a mechanic that you can trust. This can be a local one or the one that is at your dealership. This will ensure that you can go to have various things checked, including:

• HVAC system
• Defroster
• Brakes
• Tires
• Battery

Set a Schedule

Set a schedule for when certain things need to happen. This includes having your air filter replaced, your oil replaced, and more. Depending upon the age of your car, you may need to have your spark plugs replaced as well.

Make Some Replacements

There are some replacements that you may want to consider so that you are prepared for autumn as well as winter. If it has been a while since you replaced your battery, you may want to add it to the list. Your wiper blade should also be replaced in the autumn so that it is capable of clearing the windshield as needed.

Use a Tire Pressure Gauge

It is a good idea to have a tire pressure gauge in your car at all times. Check the tire pressure to ensure that it matches what is recommended for your car – and this is found in the owner’s manual. You may need to add or subtract air from the tires in order to meet the ideal pressure as the temperature fluctuates.

Call us at FM Insurance today so we can talk to you about car insurance. Our independent insurance agents can help you to find a policy that makes sense in Oklahoma City. We work with some of the top insurance agents in Oklahoma to get you the coverage as well as the quotes to help you make the best decision.