What happens when you’re in a car accident and your car is uninsured? This Oklahoma car accident attorney is sharing what you need to know here.

Did you know that Oklahoma is the leading state in America when it comes to uninsured drivers? That is an alarming and worrying truth, no doubt. But, what happens when you find yourself caught up in those statistics? As an Oklahoma car accident attorney, I’m here to help.

More than 600,000 vehicles in Oklahoma are in the hands of uninsured drivers. 26 percent of drivers, or 1 out of every 4 drivers within the state is driving a car that isn’t insured.

Driving Without Insurance – A Costly Mistake

Driving without insurance is always a major mistake from a variety of different standpoints.

Some people view the cost of insurance as prohibitive. They might think that car insurance is something they simply cannot afford.

But, the reality is that car insurance is something that you cannot afford to be without.

Though the cost of insurance may well be on the rise, driving while uninsured can lead to far greater financial pain in the long run. Often, the expense of the insurance pales into complete insignificance if the worst happens and there’s an accident.

Oklahoma Car Accident Attorney

For most people, navigating your way through the legal system isn’t fun, nor is it easy. But don’t worry, that’s what we’re here for.

Are you someone who doesn’t currently have car insurance? Or have you been involved in an accident without insurance?

If so, this article is for you.

Here’s everything you need to know and more.

Oklahoma – It’s a Tort System

In terms of liability in a car accident, Oklahoma follows a traditional “fault” or “tort” system.

This means that if you are the person who is responsible for the accident, that is, if you are at fault, then you are liable for any and all damages that result from that accident. This includes all personal injury and all vehicle and property damage.

In Oklahoma, a person who has suffered an injury in a car accident that wasn’t their fault will normally do any one of the following:

  • They can file a claim with their own insurance company. That company will then pursue a subrogation insurance claim from the insurance company representing the person who was at fault.
  • They can file a claim directly with the insurance company representing the person who is at fault.
  • They can file a lawsuit against the person who caused the accident.

If you are adequately insured, your car insurance will take care of these costs.

If however, you are uninsured, you are personally responsible and fully liable for all damages. If you find yourself in this situation, you will need an Oklahoma car accident attorney right away.

Auto Insurance Requirements in Oklahoma

Oklahoma has a minimum level of insurance cover that it legally requires all registered vehicles to have.

All drivers must have liability insurance. This is required to cover the costs of injuries and damage resulting from any accident you are involved in.

Here is a brief rundown of the level of cover you are legally required to have:

  • $25,000 for Personal Injury or Wrongful Death Per Person
  • $25,000 for Property Damage
  • $50,000 total for injury or death if multiple people were injured in the accident

As an Oklahoma car accident attorney, I strongly urge you to make sure that you have these minimum requirements at the very least. If you want to protect yourself further, and if you can afford it, we recommend that you purchase a policy with an even greater level of cover.

You might want to consider adding some of the following to your insurance package:

  • Comprehensive Insurance Coverage – This helps with non-accident-related damages to your vehicle, such as those that happen due to fire, theft, water, etc.
  • Medical Payments Coverage – This generally pays for medical costs after you are hurt in a car accident, regardless of who is found at fault for the accident. This might include dental bills, funeral costs, etc.
  • Uninsured Motorist Coverage – This coverage pays if the other driver does not have auto liability insurance. In essence, this takes the place of the liability insurance that the other driver should have had but didn’t.
  • Bodily Injury Liability Coverage – If you cause an accident due to your own negligence and other people are injured, this protects you against their claims for damages
  • Property Damage Coverage – This will pay for any damage you cause to the property of others, such as their vehicle, a tree, a building, etc.

Driving Without Auto Insurance – The Consequences

Driving without insurance is against the law in Oklahoma. If you are found to be driving without insurance the state will give you temporary liability insurance coverage, which you must replace with a real-life policy within 10 days.

If you fail to acquire the required insurance, you will be fined, up to as much as $825 in total. You may also face a suspension from driving and possible imprisonment.

If you find yourself involved in an accident without insurance, you are leaving yourself open to a whole host of legal and financial problems. It really does pay to have auto insurance.

Here are the penalties for having no insurance in an accident:

  • You’ll be fined up to $250
  • You may face imprisonment for up to 30 days
  • Your driving privileges may be taken away for up to 1 year
  • Your vehicle may be impounded

To be reinstated you will be subject to the following:

  • You will need proof of insurance
  • You will have to pay a $275 reinstatement fee
  • Along with a $125 administration fee
  • And a $175 modified driver’s license fee

Serious consequences indeed! Wouldn’t you agree?

Oklahoma Car Accident Attorney – I’m Here for You

So, consider yourself brought fully up to speed with Oklahoma law and auto insurance.

If you or any of your family members have been involved in an accident – whether you were insured or uninsured – you will need a strong and powerful attorney to represent your case.

If you were insured and it wasn’t your fault, you might be entitled to compensation resulting from your accident. If you were uninsured, we can help with that too. Remember, the consequences of not having insurance are many, they are serious, and you don’t want to face them alone.

Knowing your options is absolutely essential.

If you have found yourself in a legal spot of any kind, it’s time to take a deep breath.

Help is at hand.

As an Oklahoma car accident attorney, we’re a well established, successful firm with the resources and the expertise to get you the results you need.

Consider us the confident advocate in your corner – the ones who will fight to protect you and your interests, all the time, every time.