Unfortunately, many accidents that result in injuries or property damage involve uninsured, underinsured, or hit-and-run drivers. If your auto insurance policy includes Uninsured Motorist or Underinsured Motorist coverage (UM/UIM), you can file a claim under this coverage.
Say you suffer $50,000 in damages, but the at-fault driver is only carrying the minimum amount of $25,000 in liability insurance coverage per individual. If you have UM/UIM coverage, you can make an insurance claim with your own carrier to cover the extra $25,000. You can also make a UM/UIM claim if the other driver has no insurance, or you’re hurt in a hit-and-run.
Oklahoma insurance carriers must offer you the option of purchasing at least as much UM/UIM coverage as you carry in liability insurance. We strongly urge all drivers to purchase as much UM/UIM coverage as they can reasonably afford, as it usually only costs a few extra dollars per month in premiums and offers essential financial protection against an accident with an uninsured driver or underinsured driver.