Attorney at Graves McLain Injury Lawyers Practice Areas: Car Accidents, Wrongful Death, Medical Malpractice, Dangerous Drugs
When you’re on the road, the last thing you want to worry about is whether other drivers around you have insurance. Yet, in Oklahoma, a significant percentage of drivers are uninsured, making it essential for responsible drivers to understand and consider uninsured motorist (UM) coverage. In this guide, we’ll walk you through everything you need to know about UM coverage, including its importance, different types, and how it can protect you in case of an accident.
Uninsured motorist (UM) coverage is an additional type of auto insurance that protects you if you’re involved in an accident caused by a driver who doesn’t have insurance or if you’re a victim of a hit-and-run. UM coverage helps cover medical expenses, property damage, and other costs associated with the accident when the at-fault driver is unable to pay.
“Driving without uninsured motorist coverage is like playing a risky game—don’t let yourself get caught without protection.”
In states like Oklahoma, UM coverage is optional, meaning drivers aren’t legally required to carry it. However, with the high percentage of uninsured motorists on Oklahoma roads, opting for UM coverage can provide invaluable protection.
In Oklahoma, there are two primary types of UM coverage:
UMBI and UMPD work together to protect you in situations where the at-fault driver is uninsured or underinsured. While UMBI focuses on bodily injuries, UMPD ensures your vehicle and property are also safeguarded.
Oklahoma ranks among the states with the highest rates of uninsured drivers, with around 13.4% of drivers lacking coverage. This statistic means that approximately one in seven drivers on Oklahoma roads is uninsured, increasing the risk of encountering an at-fault driver who cannot compensate you if an accident occurs.
A quick look at recommended insurance levels can highlight why UM coverage is critical:
| Minimum Required Insurance | Recommended Insurance |
| Liability Coverage | Liability Coverage |
| $25,000 per person / $50,000 per accident | $100,000 per person / $300,000 per accident |
| Uninsured Motorist Coverage | Uninsured Motorist Coverage |
| Equal to liability minimums | Maximum affordable limit |
Choosing to carry uninsured motorist coverage helps protect your finances, health, and peace of mind.
Here’s how UM coverage can be a lifesaver if you find yourself in an accident:
Many drivers involved in hit-and-run accidents are often uninsured, which is why they may flee the scene. UM coverage ensures you’re still covered even if the at-fault driver isn’t found.
Recovering from an accident—whether physically, emotionally, or financially—can be overwhelming. UM coverage can reduce the burden by covering medical expenses, lost wages, and repair costs, allowing you to focus on recovery.
Without UM coverage, you could end up paying out-of-pocket for injuries and damages. Given the high costs associated with medical care and vehicle repairs, having UM coverage can save you significant financial stress.
Opting out of UM coverage can leave you exposed to several risks:
In short, while UM coverage is optional, skipping it can be costly and leave you vulnerable.
If you’re involved in an accident with an uninsured driver, follow these steps to protect yourself:
Reporting the accident to the police is crucial, especially when an uninsured driver is involved. A police report can serve as a key document in your claims process.
If possible, exchange contact and insurance information. Having details about the driver, witnesses, and vehicle specifics can be valuable, even if the other driver lacks insurance.
Contact your insurance provider as soon as possible. They’ll guide you through the claim process and assess how your UM policy can cover the damages.
Even if injuries seem minor, it’s essential to see a healthcare provider for a thorough evaluation. Medical records are vital for your claim and ensure your well-being.
Take detailed photos of any damages to your vehicle, as well as your injuries. Keep receipts and documentation for any repairs, as these will help with your claim.
If the uninsured driver is unable to compensate you, an attorney can advocate for your rights. They’ll work to ensure you receive a fair settlement under your UM coverage.
In Oklahoma, policyholders have the option to “stack” UM coverage, which combines the coverage limits across multiple vehicles on a policy.
For instance, if you have two vehicles each with a $50,000 UM limit, stacking them allows for a total of $100,000 in coverage.
However, stacking is generally an option you need to arrange at the start of your policy, as it involves a higher premium than standard UM coverage. Not all insurers allow stacking, so checking with your provider beforehand is recommended.
If you’re ready to protect yourself with UM coverage, here are a few tips to consider:
“With high rates of uninsured motorists in Oklahoma, taking the extra step to maintain adequate UM coverage is a wise financial and personal choice.”
Oklahoma drivers face a heightened risk of encountering uninsured drivers, making uninsured motorist coverage a critical part of your auto insurance plan. UM coverage offers financial protection, peace of mind, and essential support when recovering from an accident with an uninsured or hit-and-run driver.
By securing the right UM policy and ensuring sufficient coverage limits, you can protect yourself and your loved ones from potentially devastating financial losses.
If you’re unsure about your coverage or need legal guidance, reach out for a consultation to learn more about protecting yourself on the road. Having the right information can make all the difference in staying safe and financially secure.
For any inquiries, or to discuss your coverage options, contact us at 918-398-9936 for a free consultation.
When injury victims need a law firm with a reputation for excellence, turn to Graves McLain Injury Lawyers. We are a top-rated personal injury firm determined to be the best. With decades of award-winning representation, our clients recover the compensation they need to put their lives back together.
