Uninsured Motorist Coverage
In the State of Oklahoma, motorists are required to acquire insurance to protect themselves, their vehicles, and others during an accident. However, there are thousands of motorists driving on our roadways, which operate their vehicles with no insurance. This is a huge mistake and could end up costing these individuals thousands of dollars paying for injuries and damages. Furthermore, records show that these most of these drivers are labeled high risk and already pose a threat to other drivers.
According to the Oklahoma Highway Safety Office, there were a total of 2,553,690 licensed drivers in our state in 2011. Of these drivers, 68,967 were involved in an auto accident throughout the entire year. Furthermore, if we consider that 25 percent of the 2,553,690 licensed drivers were uninsured, as the Insurance Research Council has stated, that's approximately of 638,422 uninsured drivers that are operating their vehicle without insurance.
At The Edwards Law Firm, our auto accident attorneys have assisted dozens of injured victims over the years and have discovered, the sooner these individuals seek legal counsel, the better. By doing so, it will enable our attorneys to collect crucial evidence, testimonies, and documents, which can be used on your behalf to form a more robust case against the uninsured and negligent driver.
For more information about uninsured motorist coverage, we welcome you to contact us at 800-304-9246 or complete the Free Case Evaluation to the right today.
Oklahoma Uninsured Motorist Coverage
According to the Insurance Research Council, in a number of states, nearly 25 percent of the drivers are uninsured. In Oklahoma, the compulsory liability insurance law states that every motorist on our roadways must meet the minimum insurance requirement to operate their vehicle, however this often proves to be untrue. The court explains that this Act is intended to protect the public using the highways from financial hardship which may result from the use of automobiles by financially irresponsible motorists.
As a result of these financially irresponsible drivers, there has been uninsured motorist coverage developed to provide compensation to the insured motorist for injuries and damages caused by another motorist, whom does not possess any form of liability insurance. According to Rogers v. Goad, 1987 OK 59,739 P.2d 519, 521, motorists covered are placed into either class one insureds or class two insureds, which can be described in the following:
Class One Insureds
People included in this category are the named insured and the resident relatives in the household. This may include spouses or children that may have been driving the automobile at the time of the collision. Individuals falling in this category are entitled to the benefits of these policies where premiums have been paid.
Class two Insureds
People included in this category are permissive users and other occupants of the insured automobile. Opposed to class one insureds, people in this class are only entitled to coverage under the specific policy covering the vehicle at the time of the collision, and may not stack policies under which they have not been insured.
Simply put, class one insureds are entitled to a wider variety of benefits than those of class two insureds.
Uninsured Motorist Damage Claims
If you have been involved in an accident with an uninsured motorist, this does not exempt them from paying for all losses and damages that have occurred. In fact, there are an array of damage claims that may be made against these careless and financially irresponsible motorists. Some types of damages claims which may be made include:
- Funeral Expenses
- Loss of Companionship
- Loss of Consortium
- Loss of Enjoyment of Life
- Lost Wages
- Medical Expenses
- Pain and Suffering
- Property Damage
Our attorneys have years of experience achieving the MAXIMUM compensation available for all losses and damages, and offer victims of uninsured motorists Free Case Evaluations, contact us today.
Contact Our Oklahoma Uninsured Motorist Accident Attorneys Today
Having achieved over $100 MILLION in successful settlements and verdicts for our clients, the attorneys at The Edwards Law Firm have demonstrated our ability to seek the maximum compensation for our clients.
With offices located throughout Oklahoma, Texas, and Arkansas, our attorneys are prepared to help you. With over 50 years of combined legal experience, we have gained the resources and tools necessary to handle your personal injury litigation.
To find out more about our attorneys, we welcome you to contact us at 1-800-304-9246, or complete the Free Case Evaluation. A member of our intake team will then collect the details of your case and quickly refer you to one of our experienced attorneys to discuss the merits of your claim. We will then provide a completely free case evaluation to you regarding your specific matter.