Oklahoma Car Accident Injury Law Library TOPIC: Uninsured Motorist Laws for Oklahoma

According to the Insurance Research Council, approximately 25% of drivers in the state of Oklahoma do not have auto insurance. If you find this figure to be alarming, there is good reason. If you are injured in a car wreck, there is a one-in-four chance that the driver who caused the accident will not have insurance. Unfortunately, you might be forced to shoulder the financial burden of serious medical bills associated with your car wreck injuries.

To make matters worse, many drivers in Oklahoma only carry the minimum required liability coverage mandated by state law:

• $25,000 for injuries sustained by a single individual
• $50,000 for injuries sustained by all people involved in the accident
• $25,000 for property damage

Often, the medical expenses involved in treating serious brain injuries or back injuries caused by a car wreck are much higher than what is covered by these minimum liability totals. For this reason, it is important to purchase uninsured/underinsured motorist coverage as part of your auto insurance policy.

While uninsured motorist coverage is not required by Oklahoma state law, it is a small price to pay to ensure that you do not face financial hardships after a serious car wreck. This coverage will compensate you for any damages up to the limits of your uninsured motorist coverage in the event that the at-fault driver does not have adequate insurance to pay for your medical bills and vehicle repairs.

It is important to consult an experienced Oklahoma car wreck attorney if you have recently been injured in an accident caused by an uninsured motorist. These cases are highly complex, and the likelihood of receiving the compensation you deserve is much higher if you have a skilled lawyer on your side. The Oklahoma City car wreck lawyers at Self & Associates will gladly offer you a complimentary consultation to advise you of your legal options.