You’ve probably seen the numbers on your auto policy or heard them at the tag agency: 25/50/25. They’re Oklahoma’s minimum liability limits — the least coverage the law lets you drive with. Here’s what they actually mean, in dollars.
The first two numbers: injuries
$25,000 is the most your policy will pay for one person’s injuries in a wreck that’s your fault. $50,000 is the most it will pay total for everyone’s injuries in that one wreck. Send two people to the hospital and that $50,000 gets spoken for in a hurry — and anything above it comes out of your pocket.
The third number: property damage
$25,000 for the other fellow’s car and whatever else got damaged. Price a new pickup lately? One good hit can pass $25,000 before anybody’s even talked about injuries.
Legal isn’t the same as covered
The minimums are the floor, not a plan. For most folks, raising those limits costs less than they expect — and it’s the difference between a bad day and a financial disaster. If you’re not sure what you’re carrying right now, find out. It’s printed on your declarations page, or bring the policy by and we’ll read it with you.
Want a second set of eyes on your own policy? Bring it to the Tucker-Downing Agency in Wilburton and we’ll go through it line by line — free, no obligation. Call 918-465-2538.