How Does UM/UIM Coverage Impact Oklahoma Car Accident Claims?

Car accidents are stressful enough, but discovering that the at-fault driver lacks adequate insurance can make the situation even more complicated. In Oklahoma, uninsured motorist and underinsured motorist coverage play a crucial role in ensuring accident victims receive the compensation they need. 

If you or a loved one has been injured in a crash involving an uninsured or underinsured driver, understanding how UM/UIM coverage works can help you protect your financial future.

What Is UM/UIM Coverage in Oklahoma?

Uninsured motorist (UM) coverage protects you when the at-fault driver does not have liability insurance. If an uninsured driver hits you, your own UM coverage can step in to cover your medical expenses, lost wages, and other damages.

Underinsured motorist (UIM) coverage applies when the at-fault driver has insurance, but their policy limits are too low to cover the full extent of your damages. In this case, your UIM coverage can help bridge the gap between the at-fault driver’s policy limits and your actual expenses.

Oklahoma law requires insurance companies to offer UM/UIM coverage to drivers, but it is not mandatory. If you reject it, you must do so in writing. However, carrying this coverage can be a financial lifesaver after an accident.

Why Is UM/UIM Coverage Important?

Unfortunately, many Oklahoma drivers either do not have insurance or carry only the state’s minimum coverage, which may not be enough to cover serious injuries. According to the Insurance Information Institute, nearly one in eight drivers nationwide is uninsured, making UM/UIM coverage an essential safeguard. Without it, you may be left paying out of pocket for medical bills, rehabilitation, and lost income after a crash.

UM/UIM coverage can also help in hit-and-run accidents. If the driver who caused your accident flees the scene and cannot be identified, your UM coverage may compensate you as if the at-fault driver were uninsured.

How UM/UIM Claims Work in Oklahoma

Filing a UM/UIM claim with your insurance company involves proving that the at-fault driver was uninsured, underinsured, or unidentified (in a hit-and-run case). You will also need to demonstrate the extent of your injuries and damages.

However, just because you are filing a claim with your own insurance company does not mean the process will be easy. Insurance companies often try to minimize payouts, even to their own policyholders. They may dispute the severity of your injuries, argue that another party was at fault, or offer a low settlement that does not cover your total damages. This is why working with an experienced Oklahoma personal injury lawyer, like those at Putnam Law, can be invaluable.

Putnam Law Can Help With Your UM/UIM Claim

If you have been injured by an uninsured or underinsured driver in Oklahoma, don’t assume your insurance company will provide fair compensation. 

The legal team at Putnam Law can help you navigate the claims process, negotiate with insurers, and fight for the full compensation you deserve. Contact our Oklahoma personal injury lawyers today at 405-724-7701 for a free consultation and let us protect your rights.