{"id":1678,"date":"2026-11-12T17:34:55","date_gmt":"2026-11-12T17:34:55","guid":{"rendered":"https:\/\/tuckerdowning.com\/newsite\/?p=1678"},"modified":"2026-11-12T17:34:55","modified_gmt":"2026-11-12T17:34:55","slug":"what-oklahomas-25-50-25-minimums-actually-mean","status":"publish","type":"post","link":"https:\/\/tuckerdowning.com\/newsite\/index.php\/what-oklahomas-25-50-25-minimums-actually-mean\/","title":{"rendered":"What Oklahoma’s 25\/50\/25 Minimums Actually Mean"},"content":{"rendered":"\n

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 \u2014 the least coverage the law lets you drive with. Here’s what they actually mean, in dollars.<\/p>\n\n\n\n

The first two numbers: injuries<\/h2>\n\n\n\n

$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 \u2014 and anything above it comes out of your pocket.<\/p>\n\n\n\n

The third number: property damage<\/h2>\n\n\n\n

$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.<\/p>\n\n\n\n

Legal isn’t the same as covered<\/h2>\n\n\n\n

The minimums are the floor, not a plan. For most folks, raising those limits costs less than they expect \u2014 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.<\/p>\n\n\n\n

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 \u2014 free, no obligation. Call 918-465-2538.<\/p>\n\n\n\n

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