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Common Questions About Uninsured and Underinsured Motorist Coverage

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We have covered uninsured motorist coverage in the past, specifically if you should purchase the coverage or not.

Now, our Oklahoma City car accident attorneys are answering some of the more common questions we’ve been asked about this additional insurance policy.

If you have any questions, don’t hesitate to contact our law firm today.

What Is Uninsured and Underinsured Motorist Coverage

Uninsured motorist coverage is an option in most car insurance policies that helps you pay for medical bills or car repairs if you are hit by a driver who does not have car insurance.

Does Oklahoma Require Uninsured Motorist?

No, 22 states do require uninsured motorist coverage, but Oklahoma is not one of them.

What Happens if I reject Uninsured Motorist coverage?

After a car accident, injured parties who reject uninsured or underinsured motorist coverage under their own policies, are often left with little to no compensation for their injuries and damages because of the negligence of an uninsured driver.

How Much does Uninsured Motorist payout?

The insurer pays up to $50,000 for all injuries associated with the accident and up to $25,000 for any property damage.

How many uninsured drivers are there in Oklahoma?

Oklahoma has one of the highest percentages of uninsured drivers in the nation, as nearly 600,000 drivers in the state do not have car insurance.

How many uninsured drivers are there in the US?

13 percent of motorists, or about one in eight drivers in the United States are uninsured.

What is Underinsured Motorists Coverage?

Underinsured motorist coverage is an addition to your auto insurance policy. It protects you if you are in an accident involving someone who does not have sufficient insurance of their own.

In an accident, the insurance of the at-fault person is supposed to compensate the other injured person.

Do you need uninsured motorist coverage if you have health insurance?

Yes, it is a good idea to have uninsured motorist, health insurance only pays for medical treatments.

What is the difference between Underinsured and Uninsured?

Uninsured motorist coverage protects you and your property after an accident when the at-fault driver does not have insurance.

Underinsured motorist protects you and your property when the at-fault driver has insurance, but not enough insurance to cover all the damage.

Carr and Carr Attorneys understands the insurance companies and these coverages. We want the best for our clients and hope this article was helpful to better understand the importance of carrying underinsured/uninsured motorists coverage. With 1 in 8 drivers on the road not having insurance, it is always best to have these policies in place to protect you and your family.

If you have been injured in an accident and need our help, call today for a free consultation.


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