Insurance law grouping good for consumer

TULSA, Okla. - After going over her home and car insurance, Patricia thought she was getting overcharged, and didn't have the right coverage.
 
"Its very frustrating," she said.   
 
And Patricia says her agent wasn't very helpful.
 
"I'm not an insurance person, so I can't read insurance paperwork and say this is perfect for me," she said.
 
By the end of this month, Patricia and others can turn to a new way to help protect themselves.

It's called the Home and Automobile Owners Insurance Bill of Rights.
 
State Insurance Commissioner John Doak says when it becomes official, it'll take all the laws governing insurance companies and put them in one place, easy for consumers to find and understand.

Right now, all those laws are scattered in many different places in state statutes.

"These are the rules of the road for insurance companies to manage consumers by, and they're the consumers rights," Doak said.

 Doak says the Bill of Rights will help answer many of the questions he hears Oklahomans ask all the time.

For example, can an insurance company use your credit score to determine how much you'll have to pay for coverage, or can I be canceled just because I make a claim.

Patricia says it sounds like a good resource.
 
"Next time I get insurance, I'm going to know exactly what I'm buying," she said.
 
She hopes it's the first step in sorting out the confusion over her coverage.