Chris Hammons | November 10, 2023 | Motorcyle Accidents
What happens if you are hit by an uninsured motorist in Oklahoma? You could be at a loss for thousands of dollars and may be struggling to gain the help of your insurance. The good news is that there is something you can do to protect yourself from this possibility. This article will go over what options exist for anyone living in Oklahoma who needs protection against uninsured motorists.
What To Do After an Accident With an Uninsured Driver
If you are involved in an automobile accident with an uninsured driver, you should take steps after the accident to protect your rights. Call 911 to report the accident and request police assistance at the scene of the accident. If you are injured, seek medical attention immediately. Be sure to keep all property that might contain evidence related to the accident. The police will either verify the other driver’s insurance information or determine whether or not the other driver is uninsured.
Notify your insurance company if you’re in an uninsured driver accident. When reporting the accident to your insurer, check for Motorist Coverage. Insurance can help protect you if an uninsured driver hits you. Even if another driver is at fault and does not have insurance, it will cover your losses up to the policy limits.
Insurance Companies in Oklahoma Must Offer Uninsured Motorist Coverage
Uninsured motorist coverage is required in Oklahoma and may be included in your existing policy. If you do not have UM/UIM coverage, you should contact your insurance company to discuss the benefits of adding it. Insurance coverage for property damage and personal injury must be $25,000/$50,000 in Oklahoma. Unless you have uninsured/underinsured motorist coverage, your policy may only cover the minimum liability in an accident with an uninsured driver.
What Auto Liability Coverage Are Oklahoma Drivers Required To Have?
Uninsured Motorist Coverage protects you from bodily harm caused by uninsured drivers. UM Coverage, on the other hand, only protects against physical injury. Property damage is not covered by UM insurance (damage to your car or vehicle). Damage to property caused by a driver without insurance must be reimbursed through a separate kind of insurance coverage. This is called collision coverage.
Although Oklahoma law dictates that every driver has liability insurance, not every driver complies. So, what are your options if you’re hit by an uninsured driver? Suppose you sign up for uninsured motorist coverage prior to an accident. In that case, you could file a claim against your insurance for any medical expenses, lost wages, physical therapy, suffering, pain, and other financial losses caused by an uninsured driver up to the policy limits. UM Coverage will pay for all legal expenses incurred, in the same way that they would if the driver who caused the collision did indeed have liability insurance. UM Coverage will pay you for bodily injury claims made by you, other members of your family, and car occupants for all injuries caused by an uninsured or under-insured driver, or in hit-and-run cases.
How To File an Uninsured Motorist Claim
If you are injured in an accident caused by a driver who does not have insurance, you may be able to file an uninsured motorist claim. To do this, you must let your insurance company know that you’ve been injured. Doing this is the beginning of the process. The next step, for example, is to collect on an uninsured motorist claim. “Dear Insurance Company’s Claim Department: I was involved in a motor vehicle collision caused by an uninsured driver on “Month and day” of this year. I sustained an injury. This letter serves as notification that I am filing a claim under my uninsured motorist coverage. With Sincere Regards, Your Name.”
This is the quickest way to contact your insurance company after an accident. Once you file your uninsured motorist claim, the adjuster will contact you. An uninsured driver claim generally works in the same way as the typical insurance claim, but this time, you will have to claim it against your insurance company itself.
When To Call a Personal Injury Lawyer To Help With Car Accident Claims
Getting in a car accident can be stressful. You might not know how to handle the legal aspects of your claim, and you may not even know what to do next. Insurance companies will try to take advantage of you by offering you less than what you deserve for your injuries.
Hire an experienced personal injury lawyer who knows how insurance companies work and has experience handling these types of claims in Oklahoma City area courts. We will make sure that you get all the money that is rightfully owed to you. Let us start working towards getting you back on track by taking care of everything else involved with filing an injury claim against those responsible for causing harm to yourself or a loved one. Your life shouldn’t stop just because someone else made a mistake behind the wheel. Schedule a free consultation with us today!
Contact Our Personal Injury Lawyers at Laird Hammons Laird Trial Lawyers for a Free Consultation
For more information, please contact an experienced Oklahoma City personal injury lawyer at Laird Hammons Laird Personal Injury Lawyers to schedule a free initial consultation today. Our law office is located in Oklahoma City.
We proudly serve Oklahoma County, OK and its surrounding areas:
Laird Hammons Laird Personal Injury Lawyers – OKC
1332 SW 89th St,
Oklahoma City, OK 73159
(405) 497-0480