I Was Hit by an Uninsured Driver in Oklahoma City – What Should I Do?
In Oklahoma, drivers are required by law to carry auto insurance. This protects all drivers on the road. However, many drivers ignore this law and drive without auto insurance. If you get hit by an uninsured driver, an experienced law office in Oklahoma City can help you navigate filing claims, insurance requirements, and proving the other driver’s fault.
Oklahoma Insurance Laws
Understanding the different laws regarding auto accidents and insurance claims here in Oklahoma is important. Otherwise, you may feel lost when trying to navigate the legal system in search of compensation.
At-Fault Laws
Oklahoma is an at-fault state. This means the person responsible for the car accident is the at-fault driver and is also responsible for paying the costs associated with that accident. So, if you sustained a bodily injury from being hit by an uninsured motorist, you can file a claim, and the uninsured driver will be responsible for paying your medical bills.
However, since they do not have insurance, they often cannot afford to pay the bills. This is where your insurance coverage can make a difference.
Insurance Coverage
All insurance companies in Oklahoma are required to offer Uninsured Motorist Coverage (UIM). UIM can help cover the costs of being hit by an uninsured driver. This is also helpful when the other driver is underinsured, meaning they have insurance, but it doesn’t cover enough. You are much more likely to receive compensation after being hit by an uninsured or underinsured driver if you have UIM.
After an Accident
A car accident, especially one involving highway driving, can be incredibly frightening. As much as possible, remember to take the following steps after an auto accident. These simple tasks can do a lot to help your prospects of receiving compensation:
- Call the police to report the accident as soon as possible. Some drivers may ask you not to, but it is crucial to file a police report if you choose to pursue legal action and need to prove fault.
- Always exchange information with the other motorist. Be sure you have their full name, address, and contact information, even if they don’t have any insurance.
- Take photos of the scene of the accident. Include any damage done to either car, any injuries sustained, and the position of both cars. This helps determine who is at fault.
- Immediately after the accident is the best time to see whether any witnesses saw the accident take place. If so, ask for their information as well.
Whether you are hit by an insured vs. an uninsured driver, these steps as soon as possible after a car accident can help you and your legal team prove you are not at fault.
Contact Experienced Oklahoma City Attorneys
No matter how prepared you are, accidents can happen to anyone. If you’ve been hit by an uninsured driver in Oklahoma City, contact Owens Law Office PC at 405-608-0708
