Oklahoma's Uninsured Driver Problem
Oklahoma has historically had one of the higher rates of uninsured drivers in the country. When you are hit by someone with no insurance or only the state minimum of 25,000 dollars per person, that coverage often falls far short of the cost of a serious injury. UM/UIM coverage on your own policy is designed to fill that gap.
How UM/UIM Coverage Works
Uninsured motorist coverage applies when the at-fault driver has no insurance or flees the scene. Underinsured motorist coverage applies when the at-fault driver's policy is too small to cover your damages, paying the difference up to your limits. Many Oklahomans do not realize they carry this valuable protection or how to access it.
Your Own Insurer May Fight You
A UM/UIM claim is made against your own insurance company, which may still dispute fault, the severity of your injuries, or the value of your claim. Having an attorney levels the playing field and helps you pursue the full benefits you paid for.
Deadlines and Documentation
UM/UIM claims have notice requirements under your policy and are generally subject to Oklahoma's statutes of limitations. Prompt notice and thorough documentation protect your right to recover.
Injured in Oklahoma? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
Your uninsured motorist coverage may pay for your injuries. It also typically applies in hit-and-run crashes where the driver can't be identified.
It applies when the at-fault driver's policy is too small to cover your damages, paying the difference up to your own policy limits.
It can. A UM/UIM claim is against your own carrier, which may dispute fault or value. An attorney helps you pursue the full benefits you're owed.
This page is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Oklahoma attorney.