Oklahoma law requires all drivers to have automobile liability coverage. However, though automobile liability coverage is mandatory, Oklahoma has the highest percentage of uninsured motorists. In 2012, over 25.9% of drivers did not have insurance. This statistic is alarming for any driver involved in an accident with an uninsured or underinsured motorist.
If you’ve been involved in a car accident with an uninsured motorist, contact our Oklahoma Uninsured Motorist Attorneys. We can help you obtain compensation for you’re injury suffered as a result of your car accident caused. Our Car and Motorcycle attorneys have skill in negotiating with automobile insurance companies. Further, our Uninsured motorist attorneys never settle a claim without ensuring our clients receive the compensation they deserve. Read on to learn more about uninsured and under insured insurance coverage and how our uninsured motorist attorneys can provide you with legal advice on how to obtain compensation for your car accident injury.
Uninsured and Under-insured Motorist Attorneys:
Uninsured and underinsured motorist coverage compensates drivers for bodily injury arising from a car accident. The driver must not be at-fault in causing the accident in order to obtain compensation when filing a claim.
Uninsured motorist coverage pays the driver and occupants of their car for personal bodily injuries caused by an uninsured motorist. It solely covers bodily injury, however, and does not provide compensation for property damage (collision coverage applies to property damage). Consequently, your policy must include uninsured motorist insurance coverage in order for you to file a claim.
- Example: The right passenger side of your car receives damages from a drunk driver. The driver immediately drives away from the scene of the accident. You are unable to get his license plate number or a good description of the vehicle. The situation is a classic hit-and-run. Pursuant to Oklahoma State traffic law, the driver is at-fault for the car accident. You incur bodily injury as a result of the car accident. Fortunately, you have uninsured motorist insurance coverage and you file a claim. Since the drunk driver was at-fault for the accident, you insurance company compensates you for medical expenses.
Under-Insured Coverage Makes the Difference:
Under-insured insurance coverage is used to compensate drivers when the at-fault driver’s liability coverage is too low to cover their medical expenses. If the at-fault driver has insurance, his/her carrier will pay for your bodily injury medical expenses up to the policy limit. If the compensation does not fully cover your medical expenses, you can file an under-insured motorist claim with your insurance carrier for the excess amount up to your policy limit. You must have underinsured insurance coverage in order to file a claim.
- Example: A negligent driver made an illegal left hand turn at a red light and slams into your car. You suffer a broken arm and bruises as a result of the accident. The at-fault driver provides you with his insurance information and you file a claim. Your medical bill is $15,000. The driver’s insurance limit to cover bodily injury is $10,000. Since you have underinsured motorist coverage, you file a claim for the excess amount of $5,000.
Top Tulsa Uninsured Motorist Attorneys:
Our Oklahoma uninsured motorist attorneys can provide you with legal advice and guidance on how to obtain legal relief for your bodily injury and property damage caused by a car accident. In the event insurance coverage will not cover the full extent of your damages, we may file a civil lawsuit on your behalf to possibly obtain a judgment for damages.