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You’ve been involved in an auto accident, and while exchanging information you learn that the other motorist involved does not have insurance coverage. Since the other driver was at fault, who is going to pay for your damages? Here are a few things you should know about resolving a crash with an uninsured driver.
The first step you should take is to report the accident to your own insurer. They can tell you what is and isn’t covered. You’ll need to give some details, so be sure to collect as much information as possible from – or about – the other driver. If police are at the scene, get their contact information also.
Oklahoma is a fault or tort state, which means the person who is at fault for the accident is liable for the personal injury and/or property damages that resulted from the accident. Motorists also have the option to file suit to seek compensation. In cases where both parties are insured, claims are typically handled between the respective insurance companies. When the at-fault driver is uninsured, there are two options available to you, depending on whether you have additional coverage on your policy for uninsured motorists (UIM).
Option 1: Uninsured Motorist Insurance Coverage
Uninsured motorist coverage pays for your expenses when the at-fault driver has no coverage. It isn’t mandatory to carry UIM coverage in Oklahoma, but all insurers are required to offer its protection to you. If you have UIM coverage, you can file a claim through your own insurance company to cover the expenses.
Option 2: No UIM Coverage
The other option, if you have no UIM coverage on your policy, is to sue the other driver. If you’ve been injured, medical expenses can be significant even in a minor accident. Uninsured motorists often do not have substantial means or assets, which is a common reason for not carrying insurance in the first place. Getting compensated for medical expenses and property damage can be difficult. You need some expert aid in any case to ensure that you are not left holding the bag.
If you’re in the Eastern Oklahoma area and have been injured in an auto accident with an uninsured driver, you need the help of an experienced personal injury attorney. At Edwards & Patterson Law, we know the law pertaining to automotive accidents in our state and will help you get the compensation you deserve. Call us today in Tulsa or McAlester for a free consultation.
