Does Oklahoma Have Underinsured Motorist Coverage

Yes, Oklahoma has underinsured motorist coverage, though it’s not automatically included in all policies. Oklahoma law requires insurance companies to offer underinsured motorist (UIM) coverage to all policyholders, but drivers can reject this protection in writing. UIM coverage protects you when at-fault drivers carry insufficient liability limits to cover your damages fully. Oklahoma’s minimum liability requirements are relatively low at $25,000 per person and $50,000 per accident for bodily injury, which serious accidents easily exceed. UIM coverage bridges the gap between the at-fault driver’s inadequate limits and your actual damages, up to your UIM policy limits. 

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For example, if you sustain $100,000 in damages but the at-fault driver only carries $25,000 in liability coverage, your UIM coverage pays the remaining $75,000 up to your policy limits. Oklahoma doesn’t require UIM coverage by law, but rejecting it leaves you financially vulnerable when negligent drivers lack adequate insurance. Many Oklahomans unknowingly decline UIM coverage without understanding the protection it provides. Review your policy declarations to confirm UIM coverage presence and limits. Consider purchasing UIM limits matching or exceeding your liability limits for comprehensive protection. Given Oklahoma’s minimum coverage requirements and prevalence of underinsured drivers, UIM coverage represents essential financial protection for serious accident scenarios.

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