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What to do when you are hit by an uninsured driver

Oklahoma's Insurance Commissioner, John Doak, has recently stated that twenty-five percent (25%) of all vehicles in Oklahoma are not insured.
 
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    January 10, 2014 /24-7PressRelease/ -- What to do when you are hit by an uninsured driver

Article provided by Knight Law Firm
Visit us at http://www.knightlawfirm.net

Oklahoma drivers, like drivers in other states around the country, are required by law to carry automotive insurance at all times. There are clear laws mandating the minimum coverage but individual drivers can opt for higher coverage limits as well.

The exchange of insurance information is standard protocol after a car accident. However, what should you do when you discover that the person responsible for your accident does not carry car insurance?

How severe is the problem?

Oklahoma's Insurance Commissioner, John Doak, has recently stated that twenty-five percent (25%) of all vehicles in Oklahoma are not insured. That number should be concerning to any driver alone but when you also consider that the Oklahoma Department of Safety reported that, in 2012, Tulsa itself saw 10,900 motor vehicle collisions, the level of concern should be even greater.

Of the Tulsa accidents, 129 resulted in injuries considered to be incapacitating and 44 were fatal. Data on the number of accidents involving uninsured motorists was not reported.

What is the law in Oklahoma for auto insurance?

The state's motor vehicle insurance requirements are relatively simple and straightforward. The minimum amount of insurance that any licensed driver is required to have is:
-$25,000 for injuries to or death of one person
-$50,000 for injuries to or death of more than one person
-$25,000 for any property damage

Different options exist for drivers wishing to carry greater coverage for further protection.

What should you do if you are hit by an uninsured driver?

As with any auto accident, the first order of business is always to attend to any medical needs. Once that is taken care of, provide your information to the other driver or drivers and obtain theirs as well.

If an uninsured driver is involved, it is still important for you to get the person's name, phone number, driver's license number, car license plate and make and model as well.

Learning your options

The best thing to do in the wake of such an accident is to discuss your case with an attorney. There can be multiple ways that you may be able to obtain the compensation you need. These can include your own insurance company or even a personal lawsuit against the at-fault driver.

Working with an experienced lawyer who knows the laws and can navigate the nuances of your specific situation is the best way to know how you should proceed.



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