Oklahoma Insurance FAQs
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Terms and Conditions
Please read these Terms of Service (“Terms”) carefully before using the Miner Family Insurance (the “Company”) Resources (as defined below), applying to become an insurance agent for the Company, or otherwise seeking affiliation with the Company.
PLEASE CAREFULLY READ AND UNDERSTAND THESE TERMS. THEY CONTAIN AN ARBITRATION AGREEMENT, JURY AND CLASS ACTION WAIVERS, LIMITATIONS OF LIABILITY AND OTHER PROVISIONS THAT AFFECT YOUR LEGAL RIGHTS.
Use of Resources
Your use of the Company’s website, customer relationship management software, agent portal, leads, or your receipt of any commissions or other compensation from any insurance carrier affiliated with the Company (collectively, “Resources”) is conditioned on your acknowledgement, agreement, and compliance with these Terms. These Terms apply to all insurance agents that sell or market any products through their affiliation with the Company or in connection with use of any of the Resources.
By using the Company’s Resources, you agree to be bound by these Terms. If you disagree with any part of the Terms, you must immediately notify the Company and discontinue your relationship with the Company.
All Resources are provided “as is.” The Company makes no warranties, express, implied or otherwise, regarding the accuracy, completeness or performance of any Resource.
Outbound Communications and Compliance with Law
In connection with your activities pertaining to the marketing and sale of insurance products that involve the Company in any way (including any use of the Company trademarks or any Resource), you agree that you will not:
- sell any leads purchased from the Company or with the Company’s assistance unless expressly authorized by the Company to engage in the sale of leads;
- use (or engage others to use on your behalf), any automatic telephone dialing system, autodialer, spam text, prerecorded message, artificial voice calls, or telemarketing service;
- purchase or use leads that have been generated using any automatic telephone dialing system, autodialer, spam text, prerecorded message, artificial voice calls, or telemarketing service;
- contact any lead without evidence of proper consent or, if no consent exists, without screening against the federal Do-Not-Call (“DNC”) Registry and any applicable state DNC list;
- contact any lead that requested to opt out of communications;
- if involved in the sale or marketing of a Medicare Advantage, Medicare Part D or MAPDP product:
- use telephonic solicitation, including text messages, door-to-door solicitation, email solicitation without an opt-out function or approach potential enrollees in common areas;
- call a prospective enrollee who has not given permission to the entity with which you are affiliated to be contacted by a plan or sales agent;
- use communications and marketing materials that are inaccurate, misleading, have not been approved by CMS or the applicable carrier if approval is required, or otherwise do not comply with the Medicare marketing guidelines;
- fail to obtain an appropriate Scope of Appointment prior to a one-on-one telephonic or in-person marketing appointment; or
- enroll a prospective enrollee into a Medicare Advantage plan on an outbound call; or
- contact leads or use the Resources in any way that violates any federal or state law including, without limitation, marketing laws, the Telephone Consumer Protection Act of 1991 (“TCPA”), the Telemarketing Sales Rule (“TSR”), CAN-SPAM Act, the Health Insurance Portability and Accountability Act (“HIPAA”), the California Consumer Privacy Act (“CCPA”), or to the extent applicable, Medicare laws, regulations and guidance.
Communication with Agent
As an agent, you authorize the Company to contact you in connection with the sale of insurance products. The Company may contact you by phone, email, text, voicemail, or other methods. You may opt out of communications by communicating to the Company your preference to opt out.
Independent Contractors
Except for employee agents, the Company’s agents are independent contractors of the Company and are not employees of the Company. Non-employee agents have the right to determine the method, manner, and means by which they perform their services. Nothing herein shall be construed to create a partnership, joint venture, or an agency relationship between non-employee contractors and the Company.
Trademarks
The Company’s name and logo, and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. You may not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on the Company’s website are the trademarks of their respective owners.
Indemnification
You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Resources, including your violation of law.
Limitation on Liability
TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY (OR ITS EMPLOYEES, OFFICERS, DIRECTORS OR AGENTS) BE LIABLE TO YOU FOR ANY CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE RESOURCES, REGARDLESS OF LEGAL THEORY, AND EVEN IF THE COMPANY HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT PERMITTED BY APPLICABLE LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, THE COMPANY’S LIABILITY TO YOU ARISING FROM THESE TERMS, OR THE USE OF OR INABILITY TO USE THE RESOURCES, SHALL AT ALL TIMES BE LIMITED TO THE GREATER OF $1,000 OR THE AMOUNTS PAID BY YOU TO THE COMPANY FOR ACCESS TO AND USE OF THE RESOURCES.
Agreement to Arbitrate
Any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity thereof or the use of the Resources shall be settled by binding arbitration. You and the Company are each waiving the right to a trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding. The agreement to arbitrate shall survive any termination of these Terms. The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the “AAA Rules”) then in effect, in Dallas, Texas. The arbitrator will be selected by the parties from the AAA’s roster of arbitrators. If the parties are unable to agree upon an arbitrator within seven (7) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules. Judgment on the arbitration award may be entered in any court having jurisdiction thereof. The arbitrator’s award of damages must be consistent with the terms of the “Limitation of Liability” section above as to the types and amounts of damages for which a party may be held liable.
Waiver and Severability
The failure of the Company to enforce any right or provision of these Terms will not constitute a waiver of future enforcement of that right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of the Company. If for any reason a court of competent jurisdiction or an arbitrator finds any provision of these Terms invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.
SMS Terms & Conditions
By providing your phone number and opting into SMS communications, you agree to receive text messages from Miner Family Insurance, including but not limited to appointment reminders, order alerts, account notifications, and marketing messages related to our services
- Message Frequency: Messaging frequency may vary depending on your interaction with our services and your preferences.
- Message & Data Rates: Message and data rates may apply. These rates depend on your mobile carrier and service plan.
- Opt-Out Instructions: You may opt out of SMS communications at any time by texting "STOP" to (405) 724-2389. You will receive a confirmation text confirming that you have been unsubscribed. After opting out, you will no longer receive SMS messages from us unless you opt back in.
- Help Instructions: For assistance, text "HELP" to (405) 724-2389 or visit our website at www.minerfamilyinsurance.com.
- Privacy: Your information is subject to our Privacy Policy.
For further questions or concerns, you may contact us at jojojosh@minerfamilyinsurance.com.
Frequently Asked Insurance Questions
These are the insurance questions Oklahoma homeowners, drivers, renters, families, and business owners ask us most. Each answer is short and direct. If you do not see your question, call us at (405) 724-2389. We compare quotes from 50+ carriers at no cost to you.
Does homeowners insurance cover foundation issues in Oklahoma?
Usually not. Damage from settling, shifting clay soil, or drought is treated as wear and tear and is excluded by most carriers. Foundation damage may be covered if a covered event causes it, like a burst pipe. Watch for new cracks and fix drainage problems early.
How much does home insurance cost in Oklahoma?
The average Oklahoma home insurance cost is higher than the national average. Hail, wind, and tornado risk are the main reasons. Your price depends on roof age and condition, home age, construction, location, claims history, and deductibles. Pricing varies a lot from carrier to carrier, so comparing quotes matters more here than in most states.
Is wind and hail damage covered by homeowners insurance in Oklahoma?
Yes. Most Oklahoma homeowners policies cover wind and hail. Many carriers use a separate wind and hail deductible. It is often 1% or 2% of your dwelling limit, not a flat dollar amount. Some older roofs are paid at actual cash value, so check how your roof is covered.
Do I need flood insurance in Oklahoma?
If water could reach your home, yes. Standard homeowners and renters policies exclude flood. Most flood insurance Oklahoma homeowners buy comes from the NFIP or a private carrier. Flash floods happen outside mapped flood zones too. NFIP policies usually have a 30-day waiting period, so buy before storm season.
What is the difference between actual cash value and replacement cost?
Actual cash value vs replacement cost comes down to depreciation. Replacement cost pays to repair or replace with new items of similar quality. Actual cash value takes off for age and wear, so you get less. Replacement cost costs a bit more but pays much better after a claim.
How much car insurance do I need in Oklahoma?
More than the state minimum. We usually recommend liability limits of at least $100,000 per person and $300,000 per accident, plus uninsured motorist coverage. If you own a home or have savings, consider higher limits and an umbrella policy.
Does my auto insurance cover a rental car?
Often, yes. Your liability coverage usually extends to a rental car in the U.S. Your comprehensive and collision coverage may also apply if you carry them on your own car. Rental reimbursement is a separate add-on that pays for a rental while your car is being fixed.
What is an independent insurance agent, and how is it different from a captive agent?
An independent agent represents many insurance companies. A captive agent represents one. That means an independent agent can compare prices and coverage across carriers, while a captive agent can only offer one company's products.
Does bundling home and auto insurance save money?
Usually, yes. Most carriers give a multi-policy discount when you bundle home and auto. Sometimes splitting carriers is still cheaper, so it is worth comparing both ways.
Why did my homeowners insurance get non-renewed or canceled in Oklahoma?
Common reasons include roof age or condition and multiple claims. A carrier pulling back in your area or new underwriting rules can also do it. Your carrier must give you notice. An independent agent can help you find coverage with another company.
How much life insurance do I need?
A common starting point is 10 to 15 years of income. Then add your mortgage, other debts, and future costs like college. Your exact number depends on your family, income, and savings. An agent can run the numbers with you.
What does general liability insurance cover for a small business?
General liability covers injuries and property damage your business causes to others. It also covers legal defense and some advertising claims. It does not cover your own property, your employees' injuries, or vehicles.
Do I need commercial auto insurance if I use my personal vehicle for work?
It depends on how you use it. Personal auto policies may deny claims tied to business use, like deliveries or hauling tools. If you drive for work often, ask about a business use endorsement or a commercial auto policy. If employees use their own cars for your business, look at hired and non-owned auto coverage.
Do I need umbrella insurance?
If you own a home, have savings, or have teen drivers, an umbrella is worth a look. It adds extra liability coverage on top of your home and auto policies, usually starting at $1 million. It is one of the most affordable ways to protect your assets from a big lawsuit.
Do I need non-owner car insurance if I do not own a car?
If you drive borrowed or rented cars often, yes. A non-owner policy gives you liability coverage when you drive a car you do not own. It can also help you avoid a gap in coverage, which can raise your rates later.
How much does it cost to add a teen driver to my auto policy?
It depends on the teen, the car, and your carrier, but adding a teen usually raises your premium noticeably. Good student discounts, driver training, and assigning the teen to an older car can help. Comparing carriers is one of the best ways to soften the increase.
Is renters insurance in Oklahoma worth it if my landlord has insurance?
Yes. Your landlord's policy covers the building, not your belongings or your liability. Renters insurance Oklahoma tenants buy is affordable. It covers your stuff, your liability, and hotel costs if your unit becomes unlivable.
Can I switch insurance companies before my policy renews?
Yes. You can switch at any time. Most carriers refund unused premium, though a few charge a small cancellation fee. Make sure the new policy starts before the old one ends so you do not have a gap.
What should I do right after a car accident in Oklahoma?
Check for injuries and call 911 if anyone is hurt. Move to a safe spot if you can. Exchange insurance and contact info, take photos of the scene and damage, and get witness names. Do not admit fault. Then report the claim to your carrier or your agent.
What are the Oklahoma car insurance requirements?
Oklahoma car insurance requirements call for at least $25,000 per person and $50,000 per accident in injury liability. You also need $25,000 for property damage. Those minimums are low compared to the cost of a serious crash. Most drivers should carry higher limits plus uninsured motorist coverage.