SKIP TO CONTENT
In the attached video, attorney Bryan Garrett explains what you can do if you’ve been injured in a car accident caused by a driver without insurance. People often panic when they discover the at-fault driver doesn’t carry coverage, assuming they won’t be able to recover any compensation. Fortunately, Oklahoma law and your own insurance policy may provide important protections.
First, it’s possible to pursue a claim directly against the uninsured driver. If they have personal assets or steady income, a judgment may allow you to collect compensation for your damages. However, this isn’t always a reliable option. That’s why understanding your own insurance policy is essential.
Most drivers carry uninsured motorist (UM) and underinsured motorist (UIM) coverage. These policies step into the shoes of the at-fault driver, providing coverage for medical bills, lost wages, pain and suffering, and even future medical needs. In many cases, UM/UIM coverage becomes the primary path to recovery after a collision with an uninsured driver.
Navigating this process can be challenging without guidance. Insurance companies may dispute your injuries or limit what they pay, even under your own policy. That’s why working with an experienced car accident attorney can make a significant difference. They can review your policy, identify available coverages, and ensure you don’t leave valuable compensation on the table.
Protect Yourself After an Accident With an Uninsured Driver
If you’ve been hit by an uninsured driver in Oklahoma, don’t assume you’re out of options. Speak with an experienced car accident attorney right away to review your policy, explore all avenues for recovery, and fight for the compensation you deserve.
FAQs
What is uninsured motorist coverage in Oklahoma?
Uninsured motorist coverage (UM) pays for your damages when the at-fault driver has no insurance. It covers expenses like medical bills, lost wages, and pain and suffering.
Can I sue an uninsured driver directly?
Yes. If the uninsured driver has assets or income, you may be able to collect through a judgment, though this option is often limited.
What’s the difference between uninsured and underinsured motorist coverage?
Uninsured motorist coverage applies when the at-fault driver has no insurance. Underinsured motorist coverage (UIM) helps when the driver’s insurance limits are too low to cover your damages.
Do I need an attorney for an uninsured motorist claim?
It’s strongly recommended. Insurance companies may still challenge your claim, and an attorney can help maximize your recovery under your policy.
