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Car Accidents with Uninsured Drivers in Oklahoma

Posted on March 16, 2021

Oklahoma law requires that the at-fault driver be responsible for all injuries and damages that result from a car accident. That means that if someone else hit you, then they must pay for your medical expenses, lost wages, and property damage—and any other money damages you may have.

Auto Insurance Requirements in Oklahoma

Each driver in Oklahoma is also required to have insurance on their vehicle to account for the often-high costs of covering damages after a car accident. Insurance coverage will help an at-fault driver pay for expenses associated with the accident.

Oklahoma has minimum levels of insurance coverage that are legally required, including:

  • $25,000 for bodily injury per person and $50,000 per accident
  • $25,000 for property damage per accident

For most people, paying for those costs out-of-pocket can be devasting, sometimes result in bankruptcy or other serious financial hardship. As a result, if a driver does not have insurance, the car accident victim runs the risk of not having their damages paid as legally required—simply because the other driver does not have insurance.

Underinsured or Uninsured Motorist Coverage in Oklahoma

Underinsured or uninsured motorist coverage is a type of insurance that is available to drivers. It is designed to address situations where the person who was at fault for the crash does not have insurance at all or does not have enough insurance to cover all of the damages from the crash.

When you have this type of coverage, you look to your own insurance coverage to pay for all or some of your damages after a crash. This process is in lieu of or in addition to getting money from the at-fault driver for your injuries.

To start a claim for uninsured motorist coverage, you must report the accident to your insurance provider right away after the crash. In fact, it is a good idea to talk to your insurance company after an accident even if you are unsure if the other driver has enough insurance coverage. Providing prompt notification to your insurance company will help you avoid any problems with timelines to provide notice of a potential claim under the terms of your policy.

Additional Legal Options Against the Other Driver

The at-fault driver does not avoid liability simply because he or she does not have insurance. Instead, it just makes it harder for the car accident victim to collect money to address their damages.

You can still file a lawsuit against another driver if they do not have insurance. They will often just have to pay for your claim out of their pocket if you win your case. While this can make collecting more challenging, it is not impossible.

An experienced car accident attorney like, Charles Bryan Alred, will help you work through your legal options after a car accident, even if the other driver does not have insurance. Contact our team to learn more about your legal rights.