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What to do after a crash with an uninsured driver

If you are involved in an accident with an uninsured Oklahoma driver, you may still be entitled to compensation for damages. However, the process of obtaining compensation will likely be more complicated than it would if that person had sufficient auto coverage.

You can seek a payout through your own insurance provider

It’s not uncommon for vehicle owners to carry comprehensive, uninsured motorist or underinsured motorist coverage. If you have this type of protection as part of your car insurance policy, you may be able to obtain a payout that can be used to replace your vehicle, pay medical bills or pay for other expenses related to your accident. The size of the payout will depend on the coverage limits imposed by your auto insurance provider.

You can take legal action against the other driver

Even if you have uninsured motorist protection as part of your auto policy, it may not be enough to fully cover losses related to a crash caused by a negligent driver. In such a scenario, you can take legal action against the other driver to recover the rest of your losses. As a general rule, you’ll have two years from the date of the accident to file a lawsuit. It’s also worth noting that obtaining a personal injury judgment doesn’t mean that you’ll actually receive anything from the defendant. Instead, it simply gives you the right to seize assets that he or she may accumulate in the future.

If you have been hurt in a crash, you may accrue thousands of dollars in medical bills, lost wages, and other damages. Therefore, it may be in your best interest to take action quickly to obtain a payout from your insurance company or the driver who caused the crash.