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Watch as Oklahoma personal injury attorney Bryan Garrett explains why uninsured and underinsured motorist (UM/UIM) coverage is so important for drivers. With nearly 15% of Oklahoma drivers on the road without insurance, the financial risk of being in a wreck with one of them is high. Understanding your own insurance policy and what protections it offers can make all the difference if you’re ever involved in a crash.
UM/UIM coverage is designed to “step into the shoes” of the at-fault driver when they don’t have enough—or any—insurance to cover your damages. This means you can still recover compensation for medical bills, lost wages, future treatment needs, and even pain and suffering. Without this coverage, you could be left paying thousands out of pocket, even if the accident wasn’t your fault.
Oklahoma law only requires a minimum of $25,000 in liability coverage. In reality, that amount can be used up quickly with an emergency room visit, follow-up therapy, or surgery. Underinsured motorist coverage bridges this gap, paying on top of the at-fault driver’s limits so you’re not left unprotected.
Take Action Today: Protect Yourself Before It’s Too Late
If you’re unsure whether your insurance policy includes uninsured or underinsured motorist coverage, now is the time to review it. This vital protection ensures that if you’re hit by a driver with little or no insurance, you still have a path to recovery. Don’t wait until after a wreck to find out—speak with your insurance provider or a trusted attorney to make sure you and your family are fully protected.
FAQs
What is uninsured motorist coverage?
Uninsured motorist coverage provides compensation if you’re hit by a driver who has no insurance at all. It covers costs like medical treatment, lost wages, and pain and suffering.
How is underinsured motorist coverage different?
Underinsured motorist coverage applies when the at-fault driver has insurance, but not enough to cover your total damages. It adds extra protection on top of their policy limits.
Is uninsured motorist coverage required in Oklahoma?
Oklahoma law requires insurers to offer UM coverage, but drivers can reject it in writing. However, keeping it is strongly recommended for protection.
How much UM/UIM coverage should I carry?
Many experts suggest carrying limits equal to or higher than your liability coverage. Higher limits provide better protection against serious injury costs.
