What Can Happen If You Get Caught Driving Without Insurance?

Driving without auto insurance in Ada, OK is something that you do not want to do. Not only is it against the law to operate a vehicle without having it, but you can also face some serious penalties as a result. With an auto insurance policy from Moon – Baker Insurance Agency Inc. you can drive without worry. Without one, you could face some of these penalties:

  • Fines. You could end up paying up to $250 in fines if you are caught without auto insurance. 
  • Jail. If you do not have a policy, you could end up behind bars for up to 30 days and you may still have the pay the fines of up to $250.
  • Loss of driving privilege. You could have your driving rights suspended. If you are caught without insurance while in an accident, you will have your license and registration suspended. This can be for up to one year or until you show proof of insurance and current financial security. Your vehicle will also be impounded. If you are caught without it at a check point, your license plate will be confiscated and you will have your license and registration suspended if you do not comply within 10 days.
  • Other costs. If you need to get your license reinstated, it will cost you $250. Additionally, there is an administrative fee of $125 and a modified driver’s license fee of $175.

These are not risks that you want to take. If you do not already have an auto insurance policy or you simply want to see if you can get a lower rate, be sure to call Moon – Baker Insurance Agency Inc. serving Ada, OK today. They can get you a free quote and help you pick the right amount of coverage for your needs and your budget. 

Essential Facts about Auto Insurance

Insurance is vital for every property owner. In the case of an accident, the insurance company always comes to your rescue, and it is essential for one to settle for a reliable company. You do not want the inconveniences that come with having to repair your car or motorcycle from your own pocket or even having to purchase another altogether.

There are a myriad of insurance providers out there, but you ought to make an informed choice when settling for a particular company. Moon – Baker Insurance Agency Inc. which is headquartered at 130 E Main S Ada OK 74820 offers an array of services to the customers and is always ready to interact with the clients at any time. There is a broad variety of policies for the clients to choose from. It is mandatory for one to provide financial responsibility when it comes to their automobile. This is done by buying liability insurance coverage. Motorcycle insurance aims at providing protection when your motorcycle is accidentally damaged.

Moon-baker Agency Inc. provides motorcycle insurance at competitive rates to fit your needs in Ada, OK. The agency strives to help clients find the policy that accommodates their needs. Motorcycle insurance is very important in the state of Oklahoma because there is a law that states that the one responsible for the accident should also cater for the damages incurred by the affected person in the accident. For this reason, motorcycle owners need to have the right motorcycle policies.

Riding the motorcycle that is not insured may also land you into problems with the local authorities. Such an offense can make you pay a hefty fine, be sentenced to serve a number of days in jail or have the license suspended. To avoid all these problems, consult Moon-Baker Agency Inc. for all queries regarding insurance. It is better safe than sorry.

 

What is a Pre-existing Condition?

Health insurance is something that many people have real difficulty when it comes to understanding. What might seem like an easy topic can be very difficult to traverse and many people may not know if they qualify or not for coverage. For those in the Ada, OK area, the agents with Moon – Baker Insurance Agency Inc. can help you determine if you qualify for coverage.

One of the most difficult things that people face is being told that they have a preexisting condition and that they do not qualify for insurance. So what is a preexisting condition? A preexisting condition is any medical condition that the person seeking insurance has been diagnosed with prior to applying for that insurance. In most cases, this is things like cancer, diabetes, and other very serious illnesses that are going to affect how much the insurance company is going to have to pay out during the time that the person is using the insurance.

For some, conditions like age, gender, and even pregnancy might be considered a preexisting condition dependent on what type of insurance you are looking for. In most cases, the insurance you are seeking to purchase is going to outline what they consider a preexisting condition so that you can know prior to applying if you are likely to be denied or not. For the most part, insurance companies use a standard list of preexisting conditions that they draw from that apply to most insurance.

If you have a condition and you are curious as to whether or not it will affect your ability to get the insurance coverage you need, you can always speak with an agent. For those in the Ada, OK area, the agents with Moon – Baker Insurance Agency Inc. can help you to find your coverage.  

What to Expect During the Life Insurance Application Process

If you have decided that now is the right time to purchase life insurance, you may be wondering what the next steps are and what you can expect during the process in Ada, OK. Knowing what to expect can help you understand the timeline so you do not get frustrated because there are times where it can be drawn out and lengthy. This timeline offered by Moon – Baker Insurance Agency Inc. is a good guideline.

  1. Applying. The first thing you will do is apply and it is typically a short application process with basic information about your health and beneficiaries.
  2. Medical Exam. The next thing that will happen is that you will schedule a medical exam where you will either go to a doctor’s office or you will have someone come to your home. During the exam, your weight will be taken, blood pressure, a blood sample, and even a urine sample. This exam should last an hour.
  3. Underwriting. This is the part that takes the longest but you do not have to do anything for it. This is the time when the life insurance company will review your application and medical findings. During this time, they will determine whether or not you qualify and how much it will cost to insure you if you do qualify. This can take anywhere from 3 to 6 weeks. 
  4. Determination. The last thing you get is the determination that will tell you whether or not you qualify and how much your life insurance policy will be. 

Life insurance is very important to have so you can better protect and care for the people in your life as well as your responsibilities. For more information about your options, be sure to reach out to Moon – Baker Insurance Agency Inc. serving Ada, OK. 

Facts about commercial insurance with Ada, OK Moon – Baker Insurance Agency

Just like you insure your homes, private vehicles, so are you required by law to insure all the property that are used by the public be it vehicles or houses. The damage done to third parties is covered by the owner of the premises or vehicle that was involved or exposed in a risk.

It thus goes without saying that when starting a new business, every entrepreneur insure their properties and also take a liability policy to cover the employees and other parties. This is commonly known as commercial insurance because it covers businesses. Ada, OK, Moon – Baker Insurance Agency Inc. provides such coverage to residents of Oklahoma and the agency is loved because:

  • Availability of a variety of commercial insurance policies.
    For convenience sake and to minimize time wastage, a business enterprise may want to work with a firm that has many policies. At Baker insurance, all the commercial coverage is available to clients. A company gets the chance to insure the properties, vehicles and liability under one company. It is thus a very dynamic firm that is accommodating to different kinds of business people.
     
  • Coverage that is customizable and flexible.
    Whether I is auto or property cover, the company is free to choose the duration of time when they will be paying the premiums.  Some take 6 months others 12 months. For commercial auto insurance, there is more flexibility in terms of what to cover. Some cover liability, some damage to the vehicle while some cover fire and theft. As a client, you are free to choose the one that works for you.
     
  • Provide reliable coverage.
    Due to their rich experience in the field of insurance, Ada OK, Moon – Baker Insurance Agency Inc. have become the one stop place for every business owner. They have created a good rapport due to their good working relationship with the people, making them stand out at providing quality to everybody.

Want to work with a reliable agency with quality services and who offers your business the convenience it deserves, look no more Ada, OK, Moon – Baker Insurance Agency Inc. is your place.

 

How Much Information Do I Have to Leave on a Car If I Hit a Parked Car?

If you have hit a parked car, you need to leave information for the car’s owner. If you fail to do so, the accident can be considered a hit and run. However, many people are leery of leaving a whole bunch of information about themselves on the windshield of a parked car. After all, anyone can grab the piece of paper and suddenly have access to your personal information. This may leave you wondering just how much information you need to leave when you hit a parked car. Here is what should be left.

When you hit a parked car, you are required to leave your name, address, contact number and a brief explanation of the accident, such as where your car hit their car. If you are driving someone else’s car, you are also required to leave the name and phone number of the person who owns the car you were driving. This information must be placed in an obvious area, such as under the car’s windshield wipers. You are not required to leave insurance information, though it is recommended you do if you have the information handy.

When leaving your note, be sure to keep in mind that anything you state in the note can be used against you by the insurance company. As such, it is highly recommended that you keep things short and to the point. I accidently hit your bumper or scratched your car states what damage was done without stating I was on my cell phone or speeding and hit your car. Also, it is highly recommended you take pictures of the damage you caused in case the other driver claims more damage was done than what was present after your accident.

When you hit a parked car, your auto insurance premiums may increase. Moon – Baker Insurance Agency Inc. serving the greater Ada, OK area, can help you find an affordable insurance policy, even if you have one or more accident on your driving record. Give us a call today to get a free quote.

In Ada, OK, What Types of Storm Damage Can Be Claimed?

Midwest storms can cause a variety of damage to both homes and vehicles. It is important to know what type of damage is covered by your insurance policy. Moon – Baker Insurance Agency Inc. serves the residents of Ada, OK and many nearby communities. The agents can review your existing homeowner’s policy or they can put together a new one that offers the type of coverage you are looking for. They can also advise you as to what type of coverages you should include to make your insurance policy complete.

Storms can cause several types of damage to a home. Ice and hail are normally covered by homeowner’s insurance. Water damage, on the other hand, will only be covered under certain circumstances, such as wind-driven rain from a thunderstorm. Flooding is normally covered under a specific clause that is added specifically for homes located in a flood plane. Damage caused by lightning, high winds, and fallen trees is also covered. Homeowners are encouraged to take precautions to reduce different types of storm damage, such as keeping trees trimmed and the roof well maintained. 

Ada, OK is in the heart of the Midwest where storms can be strong enough scare even the most fearless of individuals. Don’t leave your home unprotected. Call the agents at Moon – Baker Insurance Agency Inc. today to get the storm coverage you need to protect your family from financial disaster. It is important to know what types of coverages are available and what exactly you will need to keep your family safe and secure in your home. Call the Moon – Baker Insurance Agency today to have all of your homeowner’s questions answered when it comes to storm damage.

Does Auto Insurance Coverage Animal Collisions?

At Moon – Baker Insurance Agency Inc. our team routinely receives calls from clients who have had trouble with animal collisions. In this area of Oklahoma, it is not uncommon to have deer or other animals dash out in front of you while you are driving down the street. Nevertheless, it is critical to stop the vehicle, make sure you are safe and uninjured, and then to call your insurance agent for help.

Will Your Policy Cover Animal Damage?

This depends on the type of auto insurance you have. If you have comprehensive auto insurance, you likely have at least some level of protection for these types of claims. Of course, each policy is different and you should verify the details of your plan and any exclusions it has first.

Comprehensive coverage may help you to recover the losses you face after a collision with animals. If your vehicle lost a mirror or perhaps needs a new windshield, you may be able to file a claim with your insurance agent to cover the losses. In some situations, the damage is significant. A single deer collision, for example, can cause damage to multiple areas of the car leading to thousands of dollars of loss. Your policy will have a maximum per accident claim limit. Most plans will cover damage up to that limit. You will also have to pay your deductible before insurance coverage applies.

How Can Our Agents Help You?

If you do not have the right type of auto insurance, don’t wait any longer to get it. Call our agents at Moon – Baker Insurance Agency Inc. to obtain a quote for your specific need. We serve residents in and around the Ada, OK area and provide competitive rates and a wide range of auto insurance plans.

 

Home Insurance and Home Values: Understanding the Connection

When your home insurance policy goes up, do you see that as a means to increase the total value of your property? Chances are you likely don’t, but perhaps you should. A home insurance policy can go a long way to getting the price you want when you finally do sell your home. 

Protecting All That’s Within

Your home needs to be loved in order to stay upright, and that love and care needs to be constant. Whether you perform much of the work yourself or you pay others to do it all, it’s all about giving it the attention it deserves to stay safe. Your family needs the foundation to be solid, the trees to stay away from their windows, and for any major damages to be repaired as quickly as possible. Without home insurance, you may not be able to afford to fix these things, or to fix them on a timely basis. This type of neglect will be much harder to reverse. 

Moon – Baker Insurance Agency Inc. Can Help 

The people of Ada, OK live here because everyone cares about keeping their property up. The more neighbors on the street are concerned about how their homes look and function in relationship to the other houses, the more it will attract other hard-working buyers when the time comes. Moon – Baker Insurance Agency Inc. gives you the tools you need and the knowledge you want to keep you feeling good about your home insurance policy. The more you see how each payment goes to keep your future intact, the more likely it is you’ll appreciate its usefulness. If you have questions or are looking for a quote in Ada, OK, give us a call to find out more about our policies. 

Do You Need To Update Your Homeowners Insurance?

When a bank requires a borrower to carry insurance, many people just take out a policy to satisfy the lender. But a homeowners policy can provide far more financial support than just securing a mortgage. As the years pass, you may find that initial policy no longer reflects your investment into the property. That’s why Moon – Baker Insurance Agency Inc. professionals are committed to helping members of the Ada, OK community update existing policies to ensure adequate and secure coverage.

Floods and Natural Disasters

We’re all well aware that Oklahoma endures its share of tornadoes and severe storms. But not every policy provides coverage for these types of natural disasters. When one of these twisters touches down, it can completely destroy your home. Take the time to check your policy and be certain you’re covered.

Replacement Costs

Many people assume that having a policy ensures they’ll be able to rebuild in the event of a total loss. This may not be the case. To meet today’s replacement costs, your policy will need to account for the current cost of labor, materials, building and fire code changes, among other things. The average price of home construction runs about $150 per square foot.

Personal Items

Policies often account for personal property as a percentage of the home’s value. But as you acquire wealth and assets, that number may fall short. Think about flat screen TVs, electronic devices, jewelry, heirlooms and other high-end items. You may want to create a list of assets and upgrade your policy to meet their value.   

Updating an existing homeowners policy on a regular basis makes good sense. It’s important that your coverage meets your current home value and assets. Moon – Baker Insurance Agency Inc. professionals are available to help members of the Ada, OK community with professional and comprehensive homeowners service. We want you to enjoy a secure policy that gives you peace of mind.