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What happens if you’re in an accident with an uninsured driver?

Oklahoma residents unfortunate enough to get into a car accident with uninsured motorists might not know where to turn. It’s important to protect yourself in the event that you’re in this situation. Your auto insurance policy can help.

How can your auto insurance policy protect you?

Your auto insurance policy can help you if you end up in a car accident with an uninsured motorist. Uninsured motorist coverage is part of your insurance that will cover the costs of damages caused by a driver without insurance. Often, this type of coverage also includes both underinsured motorists who have insurance but have insufficient policies that might not cover all the costs of your expenses.

Although Oklahoma law doesn’t require drivers to carry it, it’s wise to carry uninsured motorist coverage as part of your auto insurance policy. It can help protect you when you may least expect it. Although it’s the law for drivers to carry insurance, not everyone complies.

How does uninsured motorist coverage work?

Uninsured motorist coverage can be considered a type of liability insurance. Drivers who get into car accidents with other drivers who lack insurance can be covered for any damages incurred when the accident was the fault of the other driver. With uninsured motorist coverage, you can cover the costs of repairs to your vehicle and medical expenses if you suffer a personal injury.

You can also benefit from having uninsured motorist coverage if the at-fault driver hits your vehicle and then flees the scene. In a hit-and-run accident, your coverage will pay for your damages. However, in this situation, you might still want to locate the hit-and-run driver to hold them accountable.

Thoroughly looking over your auto insurance policy is important. It’s better to be safe than sorry and make sure you have uninsured motorist coverage just in case you are ever involved in an accident with a driver who doesn’t have insurance.