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Oklahoma, like nearly every other state, has laws that make car insurance a must for anyone driving in the state. But is uninsured motorist coverage required in Oklahoma to stay legal? Here’s what you need to know if you’re a driver in Oklahoma.
What Is Uninsured Motorist Coverage?
Uninsured motorist (UM) coverage is an option that protects you, your passengers, and your vehicle if you get hit by a driver who doesn’t carry insurance. If you are in a crash with someone who has no car insurance, your UM coverage handles bills for injuries and car damage that result from the accident.
This type of insurance is also helpful during hit-and-run incidents. When you add UM coverage, your policy can cover expenses related to a hit-and-run accident when the other driver is never found.
Don’t confuse uninsured motorist coverage with underinsured motorist (UIM) coverage. While UM covers you if the other driver has no insurance at all, UIM steps in if the other driver’s policy limit is too low to cover your full medical or car repair costs.
Is Uninsured Motorist Coverage Required in Oklahoma?
No, in Oklahoma, uninsured/underinsured motorist insurance, commonly known as UM/UIM coverage is not required. However, insurance companies are by law required to offer it to drivers, and you are required to accept or decline it – in writing when you buy your policy. If you do not explicitly decline it, you are presumed to accept it and it will be included in your policy. This UM/UIM coverage protects you if you are ever involved in an accident with a uninsurance driver, or one with not enough insurance to cover your losses.
You maintain the right to decide whether or not you think uninsured motorist coverage is worth it. You also aren’t legally required to add optional underinsured motorist coverage to your auto insurance policy in Oklahoma.
Benefits of Uninsured Motorist Coverage
Since Oklahoma does not require uninsured motorist coverage, you may think about dropping it from your policy. But having this coverage gives you protection and extra comfort when you’re driving.
The number of uninsured drivers in Oklahoma has fallen in recent years because of tougher enforcement. Around ten years ago, one in four drivers didn’t have insurance, but now that figure is closer to 13 percent.
Still, with around 2.6 million licensed drivers in Oklahoma, that means there are about 350,000 people on the road without insurance. At any time, you could be in a collision with one of them. Even a small fender bender with an uninsured driver can lead to costly bills without UM coverage.
By including uninsured motorist coverage in your insurance, you get financial protection if you’re hit by someone who doesn’t have car insurance or is involved in a hit-and-run.
Contact Us To Work With an Experienced Car Accident Attorney
If you’ve had a crash with an uninsured or underinsured driver, dealing with the aftermath can be stressful. The right legal help makes a real difference.
Reach out to Bryan Garrett, PLLC, for guidance from an experienced car accident lawyer. Call (405) 725-2661 for a consultation and get help with your insurance claim or questions about coverage.
