What does Uninsured Motorists coverage pay for?

uninsured motorist














I have been selling car insurance in the Tulsa, Oklahoma metro area for more than 30 years now and every week I talk to people that contact me for a quote that misunderstand what Uninsured Motorists coverage does. The most common mistake is that people think that it will cover their own vehicle if the person that hits them is at fault and does not have insurance, but that is incorrect! In Oklahoma Uninsured Motorists coverage only pays for your bodily injury damages (medical bills, lost wages etc. up to the limits you purchase) NOT your vehicle. If you want to be sure your vehicle will be repaired you need to have collision coverage on your auto insurance policy.

A Time to Celebrate Mothers


As the second Sunday of May nears, it’s time to think of ways to celebrate mothers – although, of course, that’s a worthy pursuit at any time of year!

At Harris Insurance, we thought it would be fun to give you a little of the history behind Mother’s Day, as well as a few ideas to honor the special women in all our lives. Continue Reading »

Was your home damaged in the recent storms?

Wind Damage

Did your home or roof sustain damage from the recent storms?  If so, we highly recommend that you only use contractors that have Workers Compensation and General Liability Insurance.  If a worker is injured falling off your roof you will be glad you took the time to inquire about this!  Ask the contractor to have his insurance agency send a Certificate of Insurance directly to you.  The Certificate of Insurance can reflect both types of insurance on the one certificate.

Thinking about using your own car as a taxi?


Are you (like a lot of people) thinking about using your car as a taxi to earn extra money? I have been selling insurance for over 30 years and every auto insurance policy I have ever read (which is not very exciting to do) has an exclusion in it that is Continue Reading »

Distracted Driving

distracted driver

Avoiding distractions while driving could save your life

You’ve seen them on the roads; you might even know a few of them.

And you could be one yourself. Continue Reading »

Convertibles: Put the top down and hit the road in Oklahoma

convertibleThe call of the open road is at its strongest during the summer – and so is the call of the convertible. If you’re one of those drivers who has long dreamed of dropping the top and heading across Oklahoma and beyond, we here at Harris insurance have some buying tips for you. And before we forget, make sure you’ve got plenty of sunscreen! Having owned a few convertibles in my life I have come to realize a few tips that may help you. Safety considerations Of course, you want to be safe when driving your new car, so here are a few things to look for… Continue Reading »

Windshield Cracks – Should I use my insurance?

Cracked Windshield

It happens so fast. A chip in your windshield that goes unnoticed or unattended… crack! An instant line forms across your windshield in wild fashion. And half the time it seems like… Continue Reading »

Five sure-fire ways to get your car stolen

Man breaking into car

Five sure-fire ways to get your car stolen

Most people would say their car is one of the most valuable assets they own.  Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy.

At the Charles Harris Insurance Agency, we don’t want you walking out your door to an empty driveway or leaving Woodland Hills Mall only to find some broken glass left behind in your parking space. So take care to avoid these five mistakes… Continue Reading »

Do you need Flood Insurance?

flooded home

Because the standard Oklahoma homeowners insurance policy does not cover damage caused by flood waters you should seriously consider purchasing a flood insurance policy. Since 25% of flood claims come from areas at a low risk for flooding you should… Continue Reading »

Earthquake Insurance

Earthquake Map

Should you buy earthquake insurance?

Due to all the recent earthquakes in Oklahoma are you wondering if you need to purchase earthquake insurance   Earthquakes are not covered under the vast majority of homeowners or renters policies.  Earthquake coverage is… Continue Reading »

Charles G. Harris Insurance Agency | 918-446-4421 | 4724 S. Union Ave - Tulsa, OK 74107