Car Insurance Coverage Issues

Summary

In Oklahoma, auto insurance policies typically cover only named drivers. Non-named drivers might not be covered, so its crucial to add all regular drivers to your policy. For debt issues, consider bankruptcy, debt relief services, or negotiating directly with credit card companies. Consult a local attorney or credit counselor for personalized advice.

Full Conversation

Car insurance and a wreck
Hello ****, I'm sorry to hear about your accident. Could you please provide more information on the incident? For instance, was anyone injured, was the police report filed, and which state did the accident occur in?
I had insurance and my son wrecked the vehicle
Hello ****, sorry to hear about the accident. Can you please tell me if your son was included in your insurance policy? Also, could you provide information on where this incident occurred?
No i assumed he was covered, but now i find out he was not
I'm sorry to hear about that, ****. Could you please let me know which state you're in so I can provide information relevant to your location?
Oklahoma
I'm sorry to hear about your situation, ****. In Oklahoma:
- Auto insurance policies usually only cover named drivers.
- Non-named drivers might be covered, but it's not guaranteed.
- It's crucial to add all regular drivers to your policy.
Please consult with a local attorney for more detailed advice.
Thank you
You're welcome, ****. If you need further assistance or have any other questions, feel free to ask. Stay safe.
I have another question
Sure ****, I'm here to help. What's your next question?
I took out a bunch of credit cards and now i can't pay, but I'm working but have been cut in pay, so should i do bankruptcy or do a debit relief, or talk to the credit cards personally
****, I understand your situation. Can I know which state you're currently residing in? This will help me provide more accurate information.
Oklahoma
Thank you for the information, ****. In Oklahoma:
- Bankruptcy is an option, but it has long-term effects on your credit score.
- Debt relief services may help, but be wary of scams.
- Negotiating directly with credit card companies could result in a payment plan.
Consider consulting with a credit counselor before making a decision.
Thank you
You're welcome, ****. If you have any more questions in the future, don't hesitate to ask. Remember, it's important to seek professional advice before making any major financial decisions. Stay safe.