What Happens if I’m in an Accident with an Uninsured Driver?
All Oklahoma drivers are required to carry liability insurance, which covers the medical costs of anyone they hurt in a car accident. In reality, however, many drivers fail to carry this required insurance while others carry the bare minimum, meaning that their policy may not cover the full cost of any damage that they cause.
What happens to a driver who is hit by someone who is uninsured or underinsured? The answer depends on the victim’s own insurance coverage. If you are only carrying the required liability insurance, you may not be able to recover compensation from an insurance company. Under these circumstances, your only option may be to bring a lawsuit against the other driver and hope that they have property that a court can seize to pay your medical bills. Unsurprisingly, the uninsured often lack significant assets. Those who cannot afford insurance typically do not have valuable property lying around.
For accident victims who have purchased uninsured/underinsured motorist coverage (UIM), the prospects for receiving compensation are much better. UIM coverage is offered with every insurance plan in the state of Oklahoma, although residents are not required to purchase it. But if you’ve been involved in a collision, your UIM coverage can be essential: In accidents involving an uninsured driver, you will typically be able to recover from your own insurer up to your coverage limit. And in wrecks where the other driver is underinsured, with coverage that doesn’t pay the total cost of your medical bills, the difference may be covered by your UIM coverage.
Even with UIM, however, you may need to battle your insurer. If you have been involved in an accident with an uninsured or underinsured driver in Oklahoma, it is important to find an attorney who will stand up to your insurance company and fight to get you justice.
If you or someone you love has been hurt in an auto accident, the injury attorneys at the Oklahoma City law firm of Ryan Bisher Ryan & Simons can help. Contact us today to arrange your free initial consultation.