There might come a day when you end up in a car wreck with an uninsured or underinsured motorist. Uninsured and underinsured motorists are drivers who either have no insurance whatsoever or have insurance where the liability limits are too small to take care of the full value of your claim.

So what happens when you get in a wreck with one of these motorists (assuming you’re not at fault)? That depends on whether or not you have uninsured/underinsured motorist coverage. The uninsured motorist coverage will protect you from at-fault drivers without liability insurance.

It is critical to purchase UM insurance, which covers medical costs, lost employment wages, pain and suffering, and other injury-related costs for yourself and anyone else who drives or rides in your vehicle. It also has the ability to cover injuries from hit-and-runs. If you purchase UM insurance, you are covered even when you are riding in another vehicle.

In Oklahoma, the minimum legal car insurance cover is as follows:
• For Bodily Injury Liability Coverage – $25,000 per individual and $50,000 per wreck
• For Uninsured Motorist Bodily Injury Coverage – $25,000 per individual and $50,000 per wreck (NOTE: This coverage might or might not be rejected)
• For Property Damage Liability Coverage – $25,000

If you or someone you know has been involved in a collision with an uninsured or underinsured motorist, please contact Lloyd & Lloyd to discuss your legal options along with potential compensation.

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