Skip to content
   

Injured? Hire Us from the Comfort of Your Own Home - DETAILS HERE

Resolving Auto Accidents with Uninsured Drivers

Posted on: November 8, 2016

uninsured driver

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, 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.

  • NAMIL
  • superlawyers
  • Contact Edwards & Patterson Law Firm today for a free consultation.
  • Contact Edwards & Patterson Law Firm today for a free consultation.
  • Contact Edwards & Patterson Law Firm today for a free consultation.
  • Contact Edwards & Patterson Law Firm today for a free consultation.
  • Contact Edwards & Patterson Law Firm today for a free consultation.
  • Contact Edwards & Patterson Law Firm today for a free consultation.
  • top-100-attorneys-lifetime-achievement-seal
Offices in Tulsa & McAlester to Serve Your Needs IF YOU CAN’T MAKE IT TO OUR OFFICES, WE WILL MEET YOU — ANYTIME, ANYWHERE.
EDWARDS & PATTERSON LAW

321 S. 3rd Street | McAlester, OK 74501

918-302-3700

321 S. 3rd Street McAlester OK 74501

918-302-3700

Get Directions
EDWARDS & PATTERSON LAW

1831 East 71st Street | Tulsa, OK 74136

877-761-5059

1831 East 71st Street Tulsa OK 74136

877-761-5059

Get Directions

Communities We Serve