Oklahoma Winter Storms Ahead:
Are You Ready?

We admit it: As insurance pros, our picture of winter isn’t exactly cozy. Oklahoma Winter Storms means traffic snarls, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and holiday lighting can increase the risk of fire.

A picture-perfect winter requires a few precautions

Here are a few of our top tips to help reduce weather-related hassles this winter.

Winter-proof your car with good snow tires or chains, new wiper blades, antifreeze, and emergency road supplies.

Keep your attic cool to help prevent ice dams. Insulate the attic floor and make sure it is well-ventilated.

Do not overload circuits with holiday decorations.

When Oklahoma winter storms hit, be smart

If you do not have to drive, stay put. If you must drive, make sure you’ve winterized your car and have a full tank of gas.

When the air is cold, keep bath and kitchen cabinet doors open so warm air can circulate around pipes. If pipes do freeze, let them thaw normally—they’ll be less likely to burst.

And if the power is out, make sure you avoid leaving candles or fires burning unattended. If you use a portable generator, follow the instructions and do not use it indoors.

Know what your insurance covers

We want to help you rest easy.  You will be more relaxed when you know you have prepared your property to lessen the chance of winter storm damage. Your insurance policy covers repairs. Repairs can be anything from adding roofing cement to replacing shingles. I could also be a full rebuild. However, your deductible does apply. Check your policy to see what is covered and to confirm the deductible you have chosen.

If you have any questions at all about your coverage, call Tulsa Insurance Guy at 918-574-6262 and we will help you review your options.

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Although the Tulsa motorcycle insurance policy is very similar to the personal auto policy, you will never find a policy where they are combined. The personal auto policy is for vehicles with at least four wheels, and motorcycles will not qualify – at least not yet. The Tulsa motorcycle Insurance policy is a package deal made up of several different coverages:

• Bodily Injury Liability – This coverage pays for injuries or deaths you cause in an at-fault accident.
• Property Damage Liability – This coverage pays for property damage you cause in an at-fault accident. It will also pay to reimburse the other driver’s rental expenses.
• Passenger Liability – Pays for injuries to your passenger in an at-fault accident.
• Uninsured/Under insured Motorist – Similar to the personal auto policy, this coverage pays for your injuries if you are hit by an uninsured or under-insured motorist.
• Medical Payments – Since this coverage pays for your injuries and your passenger’s injuries, you should buy as much as you can afford. Especially if you don’t have medical insurance. States that don’t have a helmet law normally require riders to carry this coverage if they are going to ride sans helmet.
• Collision – This pays to repair or replace your motorcycle if you are in an at-fault accident subject to the deductible you select.
• Comprehensive – Will pay for damages to your motorcycle for reasons other than a collision. This is the coverage that pays for theft or damages resulting from hitting an animal or vandalism.
• Additional Equipment – Many riders will add additional equipment to their motorcycles such as saddlebags, windshield, custom crash bars, GPS equipment and communications This coverage will pay for this equipment if stolen or damaged in an at-fault accident.

There are many insurance companies offering Tulsa motorcycle insurance and some of them even specialize in this coverage. The motorcyclist should call or visit with an experienced agent or broker to determine which company offers the best value and rates.

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