What To Do If You Hit an Animal While Driving

Posted on January 30, 2026January 12, 2026 by admin

Animal collisions can be frightening, and they’re surprisingly common even in urban settings like Oklahoma City, OK. These collisions can also be expensive if you don’t have auto insurance that covers the incident. Here’s how to properly insure against this risk, and what to do if you do hit an animal while driving.

Get Comprehensive Auto Coverage

There are two main types of auto insurance coverage that protect your vehicle against damage: collision coverage and comprehensive coverage. Collision coverage is for accidents involving at least one other vehicle or stationary objects, like a light pole. Comprehensive coverage includes protection against other events, such as hail, flood, theft, vandalism, and animal damage.

Hitting an animal isn’t technically a “collision” according to auto insurance policy standards. Instead, it’s considered a comprehensive claim. You’ll need comprehensive coverage if you want to be insured against animal-caused vehicle damage. You should also verify that you have auto insurance that covers injuries to passengers in your vehicle, like medical payments (MedPay) or personal injury protection (PIP).

At S & S Insurance Services Inc., we can provide you with a quote for comprehensive auto insurance and add-ons, like MedPay or PIP, to cover injuries and other essential protections.

What To Do If You Hit an Animal

Should you ever hit an animal while driving around Oklahoma City, OK or anywhere else, first make sure everyone is alright.

Seek medical attention if you’re injured

If medical attention is needed, call an ambulance or dial 911 immediately. Getting medical help will not interfere with your ability to file an auto insurance claim.

Document the Accident

Once you know everyone is okay, document the accident for your claim. When it’s safe to do so, take photos and/or videos of your vehicle from multiple angles to document the damage. Also, photograph the animal on scene and the surrounding area if you’re able to do so. Documenting the scene, including tire skid marks and road weather conditions, can help support your claim. You may want to call the non-emergency number to request a report. A report can be helpful in unusual accident situations, but it is typically not needed for the most common comprehensive claims.

File an Insurance Claim

You’ll have to notify your insurance company. You can do this by contacting your insurance agency. At S & S Insurance Services Inc., we regularly assist our clients with their auto insurance claims to help them navigate the claims process with their carrier.

How Do You Add More Coverage With Umbrella Policies and Auto Insurance in Oklahoma City, OK?

Posted on December 31, 2025December 11, 2025 by admin

From severe weather risks to busy highways, Oklahoma City, OK faces unique driving risks. If you’re a driver and resident of OK, you may be wondering how you can add more coverage to existing auto insurance policies with an umbrella policy that works for you. At S & S Insurance Services Inc., we specialize in providing clients with solutions that protect drivers anytime they are behind the wheel.

What Umbrella Insurance Adds to Existing Auto Coverage

Umbrella insurance policies add additional liability protection beyond the limits of standard auto insurance policies. This means, if you cause an accident and damages or medical bills exceed your auto liability limits, your umbrella policy can come in handy. This includes:

Property damage you have caused
Legal fees if you’re involved in a lawsuit
Bodily injury expenses

Adding More Protection to Your Auto Insurance

If you want to optimize the protection you have in your vehicle, you can do so by working with an agency you can trust regarding umbrella insurance. For stronger protection, consider the following options:

Increase your auto liability limits. Increasing liability insurance limits can provide peace of mind and financial security.
Add underinsured/uninsured protection in the chance that you experience in accident with another driver who does not currently have insurance.
Consider comprehensive and collision upgrades with existing auto insurance policies while comparing umbrella insurance options.

At S & S Insurance Services Inc., we’ll work with you if you’re a driver in OK or a resident of Oklahoma City, OK. Whether you’re a new driver or looking for ways to add more protection to existing policies, we’re here for you. To learn more about your options when calculating umbrella insurance you require, contact us for your consultation today.

How Collision Coverage Differs From Liability Coverage

Posted on September 30, 2025September 24, 2025 by admin

Auto insurance comes with a mix of terms that can sound similar, but two of the most important are collision coverage and liability coverage. Drivers in Oklahoma often carry both on their auto insurance with S & S Insurance Services Inc., serving Oklahoma City, OK; yet, each plays a very different role when accidents occur.

Collision Coverage Explained

Collision coverage is designed to repair or replace your own vehicle after an accident, regardless of who caused it. If you hit another car, a fence, or even a tree, this portion of your policy helps cover the damage to your vehicle. It is especially valuable for newer or higher-value cars, where out-of-pocket repair costs could be overwhelming.

Liability Coverage Explained

Liability coverage works differently. Instead of protecting your car, it protects you from the financial consequences of damaging someone else’s property or injuring another person in an accident you cause. Oklahoma requires drivers to carry minimum liability limits, but many people choose higher amounts to shield themselves from lawsuits or large claims better.

Why the Difference Matters

The main distinction is straightforward: collision coverage protects your vehicle, while liability coverage protects the other party. Without liability insurance, a single accident could expose you to thousands in medical bills or repair costs for someone else’s car. Without collision coverage, you would be left paying for your own vehicle’s damage out of pocket.

Collision and liability auto coverage through S & S Insurance Services Inc., serving Oklahoma City, OK, complements one another, providing drivers with well-rounded protection. One ensures your car can be repaired, while the other keeps you financially safe if you are held responsible for harming others. Together, they form the foundation of an auto policy that truly protects you from the unpredictable nature of the road. For more information about your policy terms, please contact us today.

What Your Policy Covers in an Ice Storm

Posted on June 30, 2025June 23, 2025 by admin

While rare in Oklahoma City, OK, ice storms can still sweep through the area during the winter and cause significant damage to your vehicles, whether personal or commercial. Fortunately, the team at S & S Insurance Services, Inc. can help you find the protection you need to stay safe.

Why You Need More Than Collision Coverage

It’s tempting to purchase basic collision insurance and call it a day. However, collision coverage only protects you in situations where you’re at fault in an accident—it doesn’t cover damage caused by other drivers or external factors.

For example, weather-related damage, such as that caused by an ice storm, is not included in collision coverage. While collision insurance may protect your car if you slip on black ice or snow, it won’t cover damage from severe ice storms. To safeguard your vehicle against these risks, you’ll need to upgrade to comprehensive coverage.

How Comprehensive Coverage Protects Your Vehicle

Comprehensive vehicle coverage provides protection for non-collision-related issues specified in your policy. For instance, if an ice storm sweeps through the area and damages your windshield or car, comprehensive coverage can help.

Does comprehensive insurance cover ice storm damage? In most cases, yes! However, it’s essential to review your policy to ensure ice storms are included. Checking your policy details will help you avoid unexpected surprises when filing a claim.

Get the Coverage You Deserve

If you live in Oklahoma City, OK, and want to protect your vehicles from ice storm damage, contact S & S Insurance Services, Inc. today. With years of experience and a wide range of policies, we’re ready to ensure your vehicle is fully protected.

Does Auto Insurance Cover Unexpected Flood Damage to Your Vehicles?

Posted on March 28, 2025March 27, 2025 by admin

Are you fully aware of what your homeowner’s insurance covers? When the unexpected happens, the last thing you want to discover is that your coverage doesn’t cover or replace the damage. The expert team at Fenzl Insurance Agency serving Hamburg, NY, encourages you to review your policy to ensure no hidden gaps leave you financially responsible. Here are some important points to keep in mind:

Natural Disasters May Not Be Included

Standard homeowner’s insurance covers common issues like fire, wind, and hail damage. However, this is not the case with floods, earthquakes, landslides, hurricanes, and wear and tear. These unexpected disasters require separate policies for coverage. Since Hamburg, NY experiences harsh seasonal weather and occasional flooding, you should consider adding these to your policy to provide peace of mind.

Home Insurance May Limit Coverage on Certain Contents

Remember that expensive, valuable belongings like your jewelry, electronics, art, and antiques might not be fully covered. Your homeowner’s policy probably has limits on how much it will cover. Consider raising or itemizing the limits on your policy to ensure they are covered.

Liability Limits May Not Be Sufficient

If someone is injured on your property, your liability insurance coverage helps pay for medical expenses and legal fees. This coverage might not cover costly, serious accidents. Increase your liability limits or add an umbrella policy for coverage.

Contact Fenzl Insurance To Review Your Homeowner’s Policy

Now that you know you might have gaps in your homeowner’s policy, it’s time to understand what is covered and what is not covered. The team at Fenzl Insurance Agency serving Hamburg, NY, is here to help you figure it all out. Contact us today.

Why You Need to Have Collision Coverage in Your Auto Insurance

Posted on December 31, 2024January 5, 2025 by admin

Auto insurance is a necessity for vehicle owners. It’s not only crucial for your protection, but it’s also required by law in Oklahoma. An auto insurance policy includes different types of coverage, some of which are mandatory, and some are optional. One such coverage is collision coverage. It’s important to have this type of insurance to ensure adequate coverage in case of an accident. If you need auto insurance, we’re here to help. Contact us at S & S Insurance Services, Inc. in Oklahoma City, OK.

Understanding Collision Coverage

Collision coverage is an optional part of auto insurance that pays for damages to your vehicle after an accident. Your policy will include two types of liability coverage: bodily injury liability and property damage liability. These coverages pay for someone else’s damages if they’re involved in an accident with you. These types of coverage are required by law to ensure you can cover someone else’s expenses if you cause an accident. However, if these are the only types of coverage you have, you would have to bear the cost of repairing your own vehicle.

Protection From Financial Difficulties

Without this type of coverage, you could face serious financial difficulties after an accident. Auto repair or replacement can be extremely expensive. Going without this coverage leaves you vulnerable to thousands of dollars in repair or replacement costs. Ensure you have the protection you need by including collision coverage in your auto policy.

Securing Auto Insurance in Oklahoma City

If you don’t have auto insurance yet, don’t wait to get it. Contact us at S & S Insurance Services, Inc. in Oklahoma City, OK.

High Risk Drivers: What Are My Options?

Posted on September 30, 2024September 29, 2024 by admin

Being a high-risk driver often means paying higher premiums for auto insurance due to factors like traffic violations, less driving experience, or driving a high-value car. High-risk drivers usually face elevated premiums as insurance companies want to ensure potential future incidents are covered sufficiently. However, in Oklahoma City, OK, you don’t necessarily have to settle for limited auto insurance plans. At S & S Insurance Services Inc., we believe you should have access to reasonably priced premiums, and we’re here to discuss your options.

Nonstandard Insurance Companies

One avenue for high-risk drivers is to align with nonstandard insurers. Essentially, these auto insurance companies specialize in insuring drivers with less-than-perfect driving records. These companies tend to assume a higher likelihood of accidents, leading to higher premiums. However, they are less likely to deny coverage based on poor driving history.

Defensive Driving Courses

Another strategy to lower premiums is to complete defensive driving courses. These courses can be handy, particularly for drivers with prior accidents or a consistent record of driving incidents. They not only equip drivers with safer driving skills but can also help convince your insurance company to lower your premiums.

Insurance Bundling

Many insurance plans offer the opportunity to bundle different types of coverage. For instance, you might be allowed to bundle auto and home insurance. By bundling, you could secure a lower premium.

Get Auto Insurance in OKC at S & S Insurance Services

Being a high-risk driver doesn’t mean you’re stuck paying high premiums. There are ways to negotiate lower costs. By employing theabovementioned strategiese, drivers can manage affordable coverage while staying protected. If you’re in Oklahoma City, OK, and want to learn more about your options, consider consulting with a S & S Insurance Services Inc. representative today.

Coverage you may want to have in addition to your basic auto coverage

Posted on July 30, 2024July 31, 2024 by admin

Understanding Auto Insurance with S & S Insurance Services Inc., Oklahoma City, OK

In Oklahoma, the most basic form of auto insurance is liability coverage, designed to protect other drivers from damage you may cause in an accident. The standard coverage is valued at 25/50/25, meaning $25,000 for injuries to one person, a total of $50,000 for all injuries, and $25,000 for property damage. At S & S Insurance Services Inc., located in Oklahoma City, OK, our dedicated team of independent insurance agents prioritizes the needs of our customers.

Collision Coverage

Collision coverage protects your vehicle when you have an accident with another vehicle or a stationary object. It covers repairs or replacement of your vehicle if you are at fault. This coverage has a deductible that you will need to pay before the insurance company starts covering the repair cost. Collision coverage also protects your vehicle in the event of a hit-and-run.

Comprehensive Coverage

Comprehensive coverage is designed for incidents that are beyond your control, such as weather events, theft, vandalism, and collisions with a large animal like a deer. It also has a deductible, which you are responsible for paying.

Full Glass Coverage

While glass coverage is included in comprehensive coverage, it usually comes with a deductible. However, there is no deductible when you add full glass coverage.

Roadside Assistance Coverage

Roadside assistance coverage is similar to the coverage provided by an auto club. It caters to situations like tire repairs or replacement, refueling if your vehicle runs out of gas, or unlocking your vehicle if you accidentally lock yourself out.

Rental Car Coverage

If your vehicle is damaged in an accident for which you are responsible, rental car coverage could provide you with a rental car while your car is in the shop for repairs.

Oklahoma City, OK residents and the surrounding area can count on our dedicated staff at S & S Insurance Services Inc. for all their auto insurance needs. Please don’t hesitate to give us a call today.

What’s Stopping You From Getting a Car Insurance Quote?

Posted on June 28, 2024June 24, 2024 by admin

It may increase your peace of mind. It may improve your coverage. It could even save you money. Yet, many people resist checking car insurance rates.

If you live in the Oklahoma City, OK, area, S & S Insurance Services Inc. wants to ask, “What’s stopping you from getting a car insurance quote?”

"Getting quotes is a hassle."

At S & S Insurance Services Inc., we do the legwork for you. We get the quotes, and you get to make the decision.

"Changing car insurance companies takes a lot of effort."

We can help with that, too. We can make the transition to a new provider easy and seamless.

"All insurance companies are the same."

That’s not true. Many of our clients have been surprised at the number of options they have and the improved coverage that may be available.

"It’s not worth the effort."

Some clients have found that they save hundreds of dollars annually.

"I’ll just leave it alone."

"Leaving it alone" may not be "good enough." If it’s been years since you’ve compared car insurance rates, you could be in for a pleasant surprise. Reach out to us today.

Get your auto quote now.

Are you letting a phone call or a few clicks on the computer stop you from enjoying the benefits of better car insurance rates or improved coverage? We encourage you to contact us at S & S Insurance Services Inc., serving Oklahoma City, OK. We can review your current policy, answer your questions, and provide a quote. What’s stopping you? Contact us today!

Mistakes People Make When Submitting an Auto Insurance Claim

Posted on March 29, 2024March 29, 2024 by admin

Oklahoma City, OK residents rely on companies like S & S Insurance Services Inc. to provide robust auto insurance policies. Having insurance, however, also involves knowing how to submit a claim so that your request processes smoothly and correctly. Let’s look at common mistakes to avoid during claim submission.

Understanding Your Auto Insurance Policy

Are you well-versed in your policy’s inclusions? Many people are not and end up filing claims for elements not covered under their policy. For instance, routine wear and tear could be mistakenly claimed. Thoroughly read your policy to understand what is covered.

Providing Evidence When Making Claims

When filing a claim, supporting your case with sufficient evidence is crucial. This might include police reports, eyewitness testimonies, and medical bills. A lack of evidence can result in claim denial.

Timely Reporting of Incidents

While it’s not a legal requirement to contact your insurance company immediately at the accident scene, it is advisable to do so. Prompt contact indicates the severity of the claim, and delaying this step might lead to claim denial.

Keeping Damaged Parts After an Accident

If you discard broken parts before filing your claim, it could create doubts. Keeping these damaged items provides further evidence and helps establish a successful claim.

Remember, We’re Here to Help

If you’re in Oklahoma City, OK, or the surrounding area and need help with your coverage options or claim submission, feel free to call us at S & S Insurance Services Inc. We aim to make the claim process as smooth as possible for our clients.

S & S Insurance Services, Inc.

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