• At least seven years of driving experience
• No at-fault accidents in the past three years
• No more than one not-at-fault accident in the past three years
• No more than one minor violation in the past three years
• No more than one weather-related loss in the past three years
• No more than a maximum combination of two incidents (any of the above) per household in the past three years

• Driving record
• Age
• The type of coverage you select
• Where your vehicle is garaged
• Type of vehicle
• How your vehicle is used
• Miles to and from work
• Whether or not your vehicle is leased

• Safety features such as anti-lock brakes, passive restraints and air bags
• Good grades (depending on state of residence)
• Anti-theft device
• Defensive driving course
• Driver training for youthful drivers

A good driving record will also help you get a lower rate. And consider the type of vehicle you drive. Typically family sedans and more conventional cars are less expensive to insure than sports cars.

I'm a good driver, but if I have an accident or get a ticket in the future, will I be canceled?
We offer renewal to 98% of our customers. Accidents and tickets will affect your rate, but not until your next renewal date.

How long do accidents and tickets affect my rate?
All traffic convictions and accidents remain on your driving record for three years. Points for traffic convictions and chargeable accidents are added and removed at the renewal of your policy.

What is insurance?
Insurance is a way of spreading financial risk among large numbers of people. You pay a premium to an insurance company for the right to share in funds set aside to pay your costs in certain pre-defined circumstances.

Why do I need insurance?
Auto insurance is designed to protect you financially. You can be held responsible for damages that you or anyone for whom you are responsible cause as a result of an auto accident.

In addition, most states make automobile insurance a legal requirement. States typically require that you provide proof that you are financially able to pay damages for which you might be responsible that result from an automobile accident. An insurance policy is the most convenient way to prove your ability to meet your responsibilities.

Who is covered under my insurance policy?
Your policy usually covers you, your spouse, relatives who live in your household and others who have permission to drive one of your covered vehicles.

What types of coverage are available?

Bodily injury liability
Insurance which pays the medical costs of other people which you cause unintentionally or through negligence as a result of an automobile accident.

Property damage liability
Insurance which pays claims against you if you damage someone else's car or property either unintentionally or through negligence in an automobile accident.

Comprehensive or Other-Than-Collision coverage
Optional coverage which pays for damage to your auto caused by things such as fire, theft, vandalism, flood or hail.

Collision coverage
Optional coverage which pays for damage to your auto as a result of collision with another car or object.

Rental reimbursement coverage
Pays the cost to rent a substitute auto if your vehicle is disabled due to a covered loss.

Towing and labor coverage
Pays the cost of towing your disabled car to the nearest repair facility and for any labor performed at the site of disablement. You simply send GHS the bill.

Uninsured motorist coverage
Insurance which provides protection against bodily injury loss, and in some states, property damage, resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

Medical payments coverage
Pays for medical and funeral expenses for you and your passengers resulting from an accident, regardless of who is at fault.

Please consult your particular policy for provisions, limits of coverage and any exclusions.

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Hours available
With GHS you'll find great customer service from a friendly, knowledgeable team of professionals ready to answer your questions or handle your claim. We're available to take your call from 8 a.m. to 4:45 p.m., Monday - Friday.

Customer Service Address:
GHS Property & Casualty
P.O. Box 60545
Oklahoma City, OK 73146-0545

Toll-free number
Call 1-888-I-GET-GHS (1-888-443-8447) for a free rate quote. In 15 minutes or less, you'll discover how much you can save for being a good driver.

The following information is helpful to us when you call:

• Present policy (for coverage information)
• Vehicle Identification Number
• The make, model and safety features of your car
• Date of birth and driving records of all household members
• Claims history

• Call police immediately.
• Exchange information.
• Do not discuss blame or fault.
• Call GHS' claims department at 1-800-580-3464 during regular business hours or 1-800-621-5410 after hours.

• Don't move your vehicle until the police arrive, unless the vehicle is causing a traffic hazard.
• Do make note of specific damage to all vehicles involved.
• Don't sign anything unless it is for the police or adjuster.
• Do write down the names and addresses of any witnesses to the accident.
• Don't disclose the amount of coverage you have.
• Do write down all names, addresses and license numbers of persons involved in the accident.

• Establish contact with insured within 24 hours of receiving notice of loss.
• Evaluate damaged automobiles within 3 days of first report.
• Issue checks within 24 hours of agreement of settlement.