When you are in Oklahoma, you probably don’t expect to get into a car accident with an uninsured driver. However, it can and does happen. Knowing the facts that can help if you’re in this situation.
How many drivers in Oklahoma are uninsured?
In Oklahoma, the uninsured rate is around 13.4%. Over 338,000 drivers in the state do not have auto insurance. This means that if anyone gets into a collision with one of those drivers, they might have a problem when trying to file a claim for personal injury and property damage.
How does uninsured motorist coverage work in Oklahoma?
Many states require drivers to carry uninsured motorist coverage as part of their auto insurance policy. Oklahoma doesn’t require drivers to get uninsured and underinsured motorist coverage. However, insurance companies are required to offer it if you wish to purchase this type of coverage, which is encouraged as a good way to protect yourself.
If you end up getting into a car accident with an uninsured driver, this coverage can pay the costs of your injuries and damages to your vehicle. However, depending on your coverage, it might not be enough to cover all the expenses. For example, if you sustain serious injuries, you might have to rely on your health insurance to cover the remainder.
Even if you have to go through your health insurance to cover your medical expenses, it’s wise to carry uninsured motorist coverage as part of your policy. It can protect you from an accident with an uninsured driver and save you thousands of dollars in the long run. It’s also important to carry this type of coverage in the event that you are involved in a hit and run accident with a driver who flees the scene of the collision.
Even though your odds of an accident with an uninsured driver are low, it’s better to carry uninsured motorist coverage. It can give you peace of mind if it ever happens.