Getting into a car accident is stressful enough, but it becomes even more difficult when the at-fault driver has little or no insurance. Unfortunately, many Oklahoma drivers do not carry enough coverage to pay for injuries or property damage they cause. Knowing what to do after this type of accident can help you protect your rights and recover the compensation you deserve.
Uninsured vs. Underinsured Drivers
An uninsured driver has no auto insurance at all, which means there’s no policy to cover your medical bills, vehicle repairs, or other losses. An underinsured driver has insurance, but their coverage limits are too low to pay for all your damages. In both situations, you may still have options through your own insurance policy or legal action.
Using Your Own Insurance Coverage
Oklahoma insurance policies often include Uninsured/Underinsured Motorist (UM/UIM) coverage. This protection helps pay for your expenses when the other driver can’t. It can cover medical costs, lost income, and even pain and suffering.
If you have this coverage, you can file a claim with your insurance company just as you would after any other accident. However, insurance companies may still try to limit payouts, so it’s important to have an experienced attorney handle negotiations and ensure you receive a fair settlement.
Other Legal Options
If the at-fault driver doesn’t have enough insurance, you may be able to pursue a personal injury lawsuit directly against them. While this can sometimes lead to recovery, many uninsured drivers lack the financial resources to pay a judgment. This is why UM/UIM coverage is such an important part of your protection on the road.
How Stipe Law Firm Can Help
At Stipe Law Firm, we help car accident victims in McAlester and throughout Oklahoma explore every available option after a crash. Our team investigates the accident, reviews your insurance coverage, and negotiates aggressively with insurers to recover what you’re owed.
If you’ve been injured by an uninsured or underinsured driver, contact Stipe Law Firm for a free consultation. We’ll help you understand your legal rights and work to secure the compensation you deserve.
