Oklahoma has enacted the Compulsory Insurance Law, which requires motorists to have a specific minimum amount of insurance coverage in the event of an accident.
However, even with this state compulsory law, many Oklahoma motorists are uninsured. According to the Oklahoma Insurance Department, Oklahoma has one of the highest numbers of uninsured motorists nationwide.
Oklahoma motorists who do not carry the required minimum liability insurance are considered uninsured motorists. When an uninsured motorist causes an accident, victims may find it challenging or impossible to recover compensation for their damages. After an accident with an uninsured driver, you may not know what to do.
It is not fair for you to be responsible for damages you did not cause. You have options if you find yourself in this situation, and our Oklahoma City uninsured/underinsured accident lawyers want to help you.
Call (405) 397-1717 or visit our contact page to schedule a free consultation with an attorney at Warhawk Legal.
Why Choose Warhawk Legal After Being Hit By an Uninsured Motorist?
- We have over twenty years of experience recovering maximum compensation for motor vehicle accident injury victims and their families.
- We have won numerous multi-million dollar verdicts and settlements.
- We give every client the individualized attention they deserve.
- You pay nothing until we recover your compensation.
- Free and confidential consultations.
Minimum Required Insurance Coverage in Oklahoma
Oklahoma motorists’ minimum required insurance coverage is $25,000 per person/$ 50,000 per accident, and $25,000 for property damage.
Most insurance agents recommend a much higher level of coverage because the minimum required amount is often woefully inadequate for the damages incurred in accidents.
Most car accidents cause much more damage than this minimum coverage amount. Drivers with only minimum coverage may be personally liable for any damages exceeding their coverage limits.
However, many drivers with only the minimum level of coverage do not have significant assets or the ability to pay for damages exceeding their coverage.
Your insurance company offers uninsured/underinsured motorist coverage to avoid being vulnerable in this scenario. If you have this coverage, you can recover compensation for your damages from your own insurance company.
Recovering Compensation in an Oklahoma City Uninsured/Underinsured Accident
If a negligent, uninsured driver causes an accident and you suffer injuries, you will be glad that you purchased uninsured/underinsured motorist coverage.
This type of coverage is not required in Oklahoma, but insurance companies offer this option. After you have been injured in an Oklahoma City uninsured/underinsured accident, contact your insurance company to determine whether you have this coverage.
Ask for a copy of your insurance policy to see for yourself whether you have uninsured/underinsured coverage. Insurance companies require you to waive uninsured/underinsured motorist coverage by signing a form.
Review your policy carefully or have it reviewed by an experienced Oklahoma City car accident attorney.
If you have this valuable coverage, you will deal with your insurer to recover your damages. Even though it is your insurer, it is still an insurance company in business to make a profit.
Your own insurance company will try to avoid paying your claim or try to minimize the amount it must pay you.
Do not allow any insurance company to take advantage of you. Consult an experienced Oklahoma City personal injury lawyer who will help you recover the full compensation you deserve.
Filing Suit Against the Uninsured Driver
If you do not have uninsured/underinsured motorist coverage, you may still be able to recover compensation for your damages from the uninsured driver.
Taking legal action against an uninsured motorist holds them accountable. Do not assume that just because they did not have insurance, they are unable to pay your damages.
If you obtain a judgment against them, you have options to satisfy that judgment. You may be able to garnish wages, attach their assets, locate real estate holdings, or an inheritance that could be used to pay your damages.
Contact an Oklahoma City Uninsured/Underinsured Accident Lawyer
If you have been involved in an accident caused by an uninsured or underinsured motorist, you may still be able to recover compensation for your damages.
If you have uninsured/underinsured motorist coverage, we will help you negotiate a settlement with your insurance company. If not, we can help you decide if it is worthwhile to file suit against the uninsured driver.
You need to consult an experienced Oklahoma uninsured/underinsured accident lawyer promptly.
The Oklahoma City hit and run accident lawyers at Warhawk Legal will work tirelessly to recover the maximum compensation you are entitled to.
Call (405) 397-1717 or visit our contact page to schedule a free consultation.