What can you do when an uninsured motorist hits you?

Car accidents cause pain and stress for all parties involved. These feelings become magnified when an uninsured motorist collides with you. Since they lack proper coverage, you may worry that you will have to pay for any damages you incurred with your money. By understanding Oklahoma’s auto insurance laws, you can work toward receiving proper recourse.

Oklahoma’s insurance laws

Oklahoma is an at-fault state for auto insurance coverage. This system requires the responsible driver’s insurance policy to pay for costs related to the victim’s injuries and their vehicle’s damage. In your case, it can save you from paying these expenses out of pocket. But this system can cause a headache if the at-fault motorist lacks coverage.

Yet, Oklahoma requires insurance companies to offer drivers uninsured motorist coverage. This coverage is worth adding to your policy because it will protect you if an uninsured motorist collides with you. Rather than filing a claim through the at-fault driver’s policy, you will make one through your own. But uninsured motorist coverage will only cover expenses related to your injuries. If your vehicle is damaged, you will need collision insurance to receive compensation. Your basic liability coverage will not provide it.

Coverage challenges

Your insurance policy may not provide adequate coverage for your injuries. In this case, you will want to pursue one of two options. You can counteroffer your insurance company’s figure. This process can continue until you reach a fair settlement. If you cannot reach an agreement with your insurance company, you can pursue a civil lawsuit against the motorist who hit you. Keep in mind, though, that their lack of insurance may indicate a lack of means. And you could end up waiting for an award that will never arrive, even if a court rules in your favor.

Colliding with an uninsured motorist can cause pain on top of your injuries and damages. But you have the right to receive appropriate recourse for their actions. An attorney can help you work to achieve it.

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