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After a crash in Oklahoma City or Edmond, make the scene safe, call 911 if anyone is hurt, document everything, and report the claim to your insurer. Then choose where your Chevy is repaired. The Oklahoma Insurance Department says you have the right to repair your vehicle at the repair shop of your choice, and you can ask for factory parts even when an estimate lists something else, though you may have to pay the difference.
Updated October 2026
The Oklahoma Insurance Department's guide to auto accidents covers what to do right after a crash. In order:
Stop, turn on your hazard lights and try not to block traffic. If your Chevy can be moved and no one is hurt, move it out of the travel lanes.
Call 911 if anyone is injured, and call the police to report the accident.
Don't admit liability to anyone, and don't accept a claim settlement at the scene.
Record the facts, photograph the damage, the vehicles and the surrounding area, and get witness contact details if you can. Exchange driver, insurance and vehicle details with the other driver.
Report the accident to your insurance agent or company, and file an accident report where state law requires one. Send a copy to your insurer.
Under House Bill 4143, signed into law in May 2026, a written collision report is required for crashes on or after November 1, 2026 when vehicle damage exceeds $3,000. Before that date the threshold was $300, or $500 for crashes on public roadways. The bill also says no report is required when everyone involved agrees to exchange information, no one is injured or killed, and no property other than the vehicles is damaged. Any crash with an injury or death must still be reported. Source: Oklahoma House of Representatives, May 14, 2026.
Even when a written report isn't required, call the police if anyone is hurt, if a driver leaves the scene, or if you can't safely exchange information. A police report also makes the claim easier to support later.
You can claim against your own policy or the other driver's. The Oklahoma Insurance Department explains both, and how fault affects your rates and a rental car.
| Situation | How it works |
|---|---|
| Claim on your own policy | A first-party claim. Your collision coverage pays for damage to your vehicle no matter who was at fault, minus your deductible. |
| Claim on the other driver's policy | A third-party claim, made against the at-fault driver's property damage liability coverage. |
| The other driver was at fault | You can still go through your own insurer if you have collision coverage. Section 941 of the Oklahoma Insurance Code bars insurers from raising your rate, cancelling or refusing to renew because of a collision you didn't cause. |
| The other driver has no insurance | Uninsured motorist coverage pays for injuries caused by an uninsured or underinsured driver, but it doesn't cover your vehicle. Damage to your car goes through your own collision coverage. |
| Hail and other non-collision damage | Comprehensive coverage, not collision, pays for damage caused by something other than a collision, such as hail. Check which coverages your policy carries before a storm, not after. |
| Rental car | The at-fault driver's insurer should provide a replacement vehicle while yours is repaired, but it isn't required by law. If you were at fault, you'll need rental reimbursement coverage on your own policy. |
| Total loss | Insurance pays the actual cash value at the time of the loss, based on comparable vehicles in the local market, dealer quotes or a recognized used car guide. |
Keep a log of every call: who you spoke with, the date and time, and what was discussed. If you have questions about how your claim is being handled, the Insurance Department's Consumer Assistance Division can help at 1-800-522-0071.
The insurance estimate is a starting point, not the final word on how your Chevy is fixed. These points come from the Oklahoma Insurance Department and Oklahoma law.
| Your right | What it means for you |
|---|---|
| Choose the repair shop | You have the right to repair your vehicle at the shop of your choice. Take your Chevy there and give the shop the adjuster's estimate. |
| Supplements for hidden damage | If the shop finds more accident damage once it starts work, contact the adjuster about a supplemental payment. |
| Disclosure of aftermarket parts | If an insurer specifies non-factory aftermarket crash parts, Oklahoma law requires it to tell you in writing on the estimate. |
| Factory parts on request | Insurers pay for "like kind and quality" parts based on actual cash value. You can insist on new factory parts, but you may have to pay the difference. |
Sources: Oklahoma Insurance Department, A Guide to Dealing with Auto Insurance and Accidents, and 15 O.S. § 955.
Original equipment manufacturer (OEM) parts are made for your Chevy by or for General Motors. Aftermarket parts are made by other companies to fit it. Both can be used in a repair, and the difference shows up in fit, warranty and how the car looks afterward.
| Consideration | Factory (OEM) parts | Aftermarket parts |
|---|---|---|
| Made by | The vehicle maker or its supplier | Another manufacturer |
| Fit and finish | Built to the original specification | Varies by part and maker |
| Warranty | Backed by the vehicle maker | Backed by the parts maker, not the vehicle maker |
| Cost on your claim | May mean paying the difference if the estimate lists other parts | Often what an estimate lists on older vehicles |
Modern Chevrolets carry cameras and sensors behind bumpers, grilles and windshields for features like forward collision alert and lane keeping. After a collision repair, ask whether any of those systems need to be checked or recalibrated, and keep the paperwork.
Since the choice is yours, compare shops on what matters for your vehicle, not just on whose name is on the insurer's list.
Which parts will you use, factory or aftermarket? Do you check driver-assistance cameras and sensors after the repair? What written warranty covers your work? Will you handle supplements with my insurer?
A dealer-affiliated shop is more likely to use factory parts and repair information for your make, while an independent shop may cost less or be closer. Our guide to dealership vs. independent shops explains the trade-offs.
For body and collision work, our collision center in Edmond is part of the Group 1 collision network. For mechanical repairs after an accident, such as suspension, steering or a check-engine light, our certified Chevrolet service and repair department in Oklahoma City can inspect your vehicle, and you can schedule a Chevy service appointment online.
Can I choose my own repair shop after an accident in Oklahoma?
Yes. The Oklahoma Insurance Department says you have the right to repair your vehicle at the repair shop of your choice. Take your vehicle there and provide the adjuster's estimate.
Do I have to report a car accident to the police in Oklahoma?
Call 911 if anyone is injured. For crashes on or after November 1, 2026, House Bill 4143 requires a written collision report when vehicle damage exceeds $3,000; before that date the threshold was $300, or $500 on public roadways. No report is required when everyone agrees to exchange information, no one is injured or killed, and no property other than the vehicles is damaged.
Will my insurance rates go up if the accident wasn't my fault?
According to the Oklahoma Insurance Department, Section 941 of the Oklahoma Insurance Code bars insurers from raising your premium, cancelling or refusing to renew because of a collision in which you were not at fault.
Can I get factory parts instead of aftermarket parts?
You can ask for them. Insurers pay for like kind and quality parts based on actual cash value, so if you insist on new factory parts you may have to pay the difference. Oklahoma law requires an insurer that specifies aftermarket crash parts to disclose it in writing on the estimate.
What if the shop finds more damage than the estimate shows?
Contact the adjuster about a supplemental payment for the additional accident-related damage.
Will insurance pay for a rental car?
The at-fault driver's insurer should provide a replacement vehicle while yours is repaired, but it isn't required by law. If you were at fault, a rental is covered only if you have rental reimbursement coverage.
Where can I get my Chevy repaired near Edmond?
Our collision center in Edmond handles body and collision repair, and our certified service department in Oklahoma City handles mechanical repairs after an accident.
Start with our collision center in Edmond for body work, and book a service inspection for anything mechanical the accident may have affected.
