Table of Contents
Key Takeaways
- Oklahoma law requires insurers to offer uninsured motorist (UM) coverage, though drivers can reject it in writing.
- Uninsured and underinsured motorist coverage helps pay for medical bills, lost wages, and pain and suffering when the at-fault driver has no insurance or insufficient coverage. It does not typically cover property damage unless you have purchased separate uninsured motorist property damage (UMPD) coverage.
- Insurers must clearly explain UM and UIM coverage options, limits, and exclusions in plain language.
- While you generally have two years to bring a claim against the at-fault driver, you may have up to five years to file a claim for UM or UIM benefits with your own insurance company. It’s still important to notify your insurer as soon as possible after the accident.
- Richardson Richardson Boudreaux helps Oklahoma drivers understand their UM and UIM coverage, manage insurance disputes, and pursue fair compensation after uninsured or underinsured driver accidents.
You are driving through Oklahoma City or Tulsa, following the rules of the road, when another driver crashes into your car and does not have insurance. In an instant, you are facing medical bills, vehicle repairs, and lost wages, while the at-fault driver has no way to pay.
Without the right coverage, you could be responsible for significant out-of-pocket expenses and the stress of navigating an insurance claim on your own. That is where uninsured motorist (UM) coverage can make a real difference.
At Richardson Richardson Boudreaux, our Oklahoma car accident attorneys help drivers understand their rights, pursue fair compensation, and resolve insurance disputes. With more than 40 years of experience, our firm provides steady guidance and dedicated support so you can focus on recovery and moving forward with peace of mind.
What Is Uninsured Motorist (UM) Coverage?
Uninsured motorist (UM) coverage is a type of auto insurance that protects you if you are injured in a car accident or another type of motor vehicle accident caused by a driver who does not have liability insurance. It serves as a financial safeguard by allowing your own insurer to cover certain losses the uninsured driver cannot pay.
In Oklahoma, UM coverage may help with:
- Medical bills for you and your passengers
- Lost wages if you are unable to work because of your injuries
- Pain and suffering related to the accident
- Expenses from a hit-and-run incident
UM coverage helps protect you from financial hardship when an uninsured motorist causes harm. It is designed to provide timely support so you are not left waiting for the at-fault driver to take responsibility.
Is Uninsured Motorist Coverage Required in Oklahoma?
Oklahoma law requires insurance companies to offer uninsured motorist (UM) coverage when you purchase an auto policy, but you can reject it in writing. Although it is not mandatory, declining this coverage can leave you financially vulnerable if an uninsured driver causes an accident.
Many Oklahoma drivers choose to keep UM coverage because:
- Oklahoma has one of the highest rates of uninsured drivers in the nation.
- UM coverage offers important protection against underinsured and hit-and-run drivers.
- It helps reduce the financial burden that can follow a serious accident.
What Is the New Oklahoma Uninsured Motorist Coverage Law?
As of 2025, Oklahoma law continues to require insurance companies to offer uninsured and underinsured motorist (UM/UIM) coverage. Drivers may still reject this coverage in writing, but recent updates emphasize clearer communication and consumer transparency.
Insurance providers must now disclose UM options, policy limits, and exclusions in plain, easy-to-understand language. The state’s minimum liability limits remain $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Many drivers choose higher limits to better protect themselves.
The Oklahoma Insurance Department (OID) recommends reviewing your auto policy each year to confirm your UM coverage still meets your financial needs as medical and repair costs increase.
How Stacking Works for Uninsured Motorist Coverage in Oklahoma
“Stacking” means combining uninsured motorist (UM) coverage limits from more than one vehicle or policy to increase the total available liability coverage after an accident. For instance, if your policy includes $25,000 in UM coverage on two vehicles, stacking would potentially raise your available limit to $50,000.
Under Oklahoma law, stacking is not allowed for policies issued or renewed after November 1, 2014, unless your insurance policy clearly states that it’s permitted. This means most drivers can no longer combine UM coverage across multiple vehicles unless their insurer makes an exception.
To determine whether stacking applies to your coverage, review your auto policy carefully or speak with your insurance company or an attorney familiar with Oklahoma insurance law.
Types of Uninsured Motorist Coverage in Oklahoma
Oklahoma law provides two main types of uninsured motorist (UM) coverage, each designed to address different types of losses:
- Uninsured motorist bodily injury (UMBI)
- Uninsured motorist property damage (UMPD)
Both forms of coverage help protect you after an accident with an uninsured or underinsured driver.
Uninsured Motorist Bodily Injury (UMBI)
Uninsured motorist bodily injury (UMBI) covers medical costs, lost income, and pain and suffering if you or your passengers are injured by a driver without insurance.
UMBI may cover:
- Hospital and doctor bills
- Rehabilitation and therapy costs
- Lost wages during recovery
- Compensation for emotional distress
This coverage is particularly valuable when an at-fault driver lacks the financial resources to pay for your injuries, including in hit-and-run or underinsured driver situations.
Uninsured Motorist Property Damage (UMPD)
Uninsured motorist property damage (UMPD) helps pay for vehicle repairs or replacement costs when your property is damaged by an uninsured driver.
UMPD may cover:
- Vehicle repair or replacement value
- Damage to fences, mailboxes, or other personal property
- A deductible, depending on your policy terms
UMPD does not apply to damage caused by you, theft, or vandalism. It only covers losses resulting from another driver’s fault when that driver lacks liability insurance.
Tips for Choosing the Right UM Coverage in Oklahoma
Selecting the right uninsured motorist (UM) coverage is about balancing cost with the level of protection you and your family need.
Here are practical steps for Oklahoma drivers:
- Review both uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD) insurance coverage options.
- Choose coverage limits that match your medical needs, income, and vehicle value.
- Do not reject UM coverage just to lower premiums. The short-term savings can lead to long-term financial strain after a serious accident.
- Revisit your auto policy each year to confirm your coverage still fits your situation.
- Read policy exclusions carefully and ask questions before signing.
The attorneys at Richardson Richardson Boudreaux can review your insurance policy, explain your UM and underinsured motorist (UIM) options, and help you understand how they apply after an accident. Our goal is to protect your financial well-being and guide you through the claims process with clarity and care.
Why Is UM Coverage Essential in Oklahoma?
Oklahoma has historically had one of the highest uninsured driver rates in the country, which puts many drivers at risk of facing out-of-pocket expenses after a crash. While the exact percentage varies each year, it remains a serious concern for anyone on the road.
Uninsured motorist (UM) coverage can make a meaningful difference after a car accident. It helps you recover compensation for medical expenses, lost wages, pain and suffering, and property damage when the at-fault driver cannot pay. This protection also applies in many hit-and-run situations.
For injured victims, UM coverage often determines whether they can afford needed medical care and remain financially stable during recovery.
The attorneys at Richardson Richardson Boudreaux help car accident victims use their UM and underinsured motorist (UIM) coverage to pursue full and fair compensation. Our team handles the insurance process, negotiates disputes, and works to hold negligent drivers and insurers accountable so clients can focus on healing and rebuilding their lives.
How UM/UIM Coverage Works in Oklahoma
When you are injured in an accident caused by an uninsured or underinsured driver, your own uninsured motorist (UM) or underinsured motorist (UIM) coverage can help pay for your losses. This protection fills the financial gap when the other driver’s insurance is unavailable or insufficient.
The general process includes:
- Filing a UM or UIM claim with your car insurance company
- Submitting documentation of your medical expenses, lost wages, and property damage
- Receiving payment up to the limits of your policy
If your insurer delays or disputes your claim, an attorney can step in to handle negotiations and protect your rights.
At Richardson Richardson Boudreaux, our attorneys assist clients throughout this process, helping them pursue fair compensation and avoid common issues with insurance claims.
What Does Uninsured Motorist Coverage Not Cover?
Uninsured motorist (UM) coverage has specific limits under Oklahoma law. It generally does not apply to:
- Losses already covered by another insurance policy
- Vehicle repairs if you do not have uninsured motorist property damage (UMPD) coverage
- Theft, vandalism, or non-accident losses
- Damage caused when you were the at-fault driver
- Injuries that occur while you or a household member are in a vehicle you own that is not insured under your policy
These exclusions appear in Oklahoma Statute Title 36 § 3636 and may vary slightly based on your insurer’s policy language. Reviewing your policy carefully helps you understand what is and is not covered.
Deadline for Filing a UM/UIM Claim in Oklahoma
In Oklahoma, you generally have two years from the date of the accident to file an uninsured or underinsured motorist (UM/UIM) claim. Missing this deadline can prevent you from recovering compensation for your injuries and losses.
Filing early gives your attorney time to gather evidence, communicate with the insurance company, and protect your claim before the statute of limitations expires.
The attorneys at Richardson Richardson Boudreaux help clients meet these deadlines and take the right steps to preserve their legal rights after a car accident.
Steps to Take After an Accident With an Uninsured Driver in Oklahoma
If you are in a crash caused by an uninsured driver in Oklahoma, the steps you take immediately can affect your health, safety, and your ability to recover compensation.
- Call law enforcement. A police report creates an official record of the crash and is essential for your uninsured motorist (UM) claim.
- Exchange information. Collect names, contact details, and vehicle information from everyone involved, including witnesses.
- Document the scene. Take photos of the vehicles, damage, injuries, and surrounding area.
- Get medical care. Even if injuries seem minor, see a doctor as soon as possible. Medical documentation strengthens both your recovery and your claim.
- Notify your insurance company. Report the accident and tell them the other driver was uninsured or underinsured.
- Contact a personal injury lawyer. Our attorneys can communicate with the insurance company on your behalf, file your UM or underinsured motorist (UIM) claim, and help you pursue compensation for medical bills, lost wages, pain and suffering, and property damage.
Taking these steps protects both your health and your right to recovery after an uninsured driver accident.
Notifying Your Insurer Before Settling: The Porter Rule in Oklahoma
Oklahoma law requires drivers to notify their insurance company before settling a claim with the at-fault driver. This rule, known as the https://case-law.vlex.com/vid/porter-v-okla-farm-889778536
If you accept a settlement without giving notice, you may lose your right to collect uninsured or underinsured motorist (UM/UIM) benefits. To avoid this, you must send a written notice to your insurance company before finalizing any agreement.
Common Challenges When Pursuing UM/UIM Claims
Insurance companies do not always handle uninsured and underinsured motorist (UM/UIM) claims fairly. They may delay processing, dispute medical evidence, or offer settlements that do not reflect the full extent of your losses. These tactics can create confusion and stress for injured drivers already trying to recover.
Common challenges include:
- Delays in processing: Some insurers take months to review or respond to UM/UIM claims, slowing down your ability to recover compensation.
- Low settlement offers: Initial offers may undervalue medical costs, lost wages, and pain and suffering.
- Arbitration disputes: Many UM/UIM claims are resolved through arbitration instead of court, which can be complex without legal representation.
- Extensive documentation requirements: Insurance companies often require detailed medical records, proof of income, and repair estimates, which can delay payment if not submitted correctly.
The attorneys at Richardson Richardson Boudreaux handle every step of this process, from submitting documentation to negotiating fair settlements. Our goal is to reduce the stress of dealing with insurers so you can focus on your recovery.
Frequently Asked Questions
What Is the Difference Between Uninsured Motorist Coverage and Collision Coverage?
Uninsured motorist (UM) coverage helps pay for your medical expenses, lost wages, pain and suffering, and other damages if you are injured by a driver who has no insurance or not enough to cover your losses.
Collision coverage pays to repair or replace your vehicle after an accident, regardless of who caused it. Having both types of coverage offers broader financial protection after a crash.
How Does UM or UIM Coverage Protect Passengers?
UM and underinsured motorist (UIM) coverage can also protect your passengers. It helps pay for their medical expenses if they are injured in a crash caused by an uninsured or underinsured driver.
Can I File a UM or UIM Claim if the At-Fault Driver Fled the Scene?
Yes. If you are injured in a hit-and-run accident, your uninsured motorist (UM) coverage may apply. You will need to report the crash to police right away and notify your insurance company as soon as possible. Providing a police report and timely notice helps preserve your right to make a UM claim in these situations.
Does Uninsured Motorist Coverage Protect Me as a Pedestrian or When I’m Not in My Car?
Yes. Uninsured motorist coverage can also protect you and resident family members if you are injured as a pedestrian, bicyclist, or passenger in another vehicle. This means your protection follows you, not just your car.
Choose Richardson Richardson Boudreaux as Your Car Accident Lawyer After an Accident
Navigating an uninsured or underinsured motorist claim can be frustrating, especially when insurance companies delay or dispute payment. Having a law firm with more than 40 years of experience handling Oklahoma car accident cases can make a meaningful difference.
Since 1984, Richardson Richardson Boudreaux has earned a reputation as a trusted personal injury law firm in Tulsa. Our attorneys have achieved record-setting settlements and verdicts, including a $58 million defamation verdict — the largest in U.S. history.
We take time to understand each client’s story and goals, guiding them through the legal process with clarity and care. Our team represents injured Oklahomans across the state, helping them recover compensation for medical bills, lost wages, pain and suffering, and other damages after serious accidents.
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Richardson Richardson Boudreaux’s Client Testimonials
“Richardson Richardson Boudreaux was a wonderful law firm to work with. I was in a car accident last year and Colton was extremely helpful and thorough on what steps I should take to get medical attention. They work on contingency, so I didn’t pay anything for my doctors’ visits or therapies. Andrea, the paralegal, was so incredible at communicating with me during every step of the way. She was always available to answer my questions through phone calls or emails. Steve also helped me close out my settlement and always called with vital information as soon as he had it. Everyone at RRB is prompt, sharp, and great at their jobs.” — Hannah A.
“My oldest son was in a horrible wreck that caused him multiple injuries. I wasn’t sure where to even begin when it came to getting the other drivers insurance to file a claim or anything. My parents told me about RRB and im glad they did. I highly recommend Jason Messenger and Brian Trent. They definitely were/are appreciated by me especially during the whole process. They kept me in the loop with everything, what the next step(s) would be, etc. Again, I highly recommend Jason and Brian!” — Tara C.
“I had them do a wreck where a guy hit me from behind with my 2 kids in car. They got the insurance company wait till me and the kids were released from medical to finalize the amount and argued with insurance to get me and kids what we deserved. They explained everything to me when I didn’t understand and was very patient with me even when I wasn’t. They are a great place to get help.” — LaDonna M.
Schedule Your Free Consultation After an Uninsured Driver Crash
Understanding your uninsured motorist (UM) and underinsured motorist (UIM) coverage is one of the most important steps you can take to protect yourself and your family after a crash. When another driver cannot pay for your injuries or damages, this coverage can provide the financial support you need to recover and move forward.
If you were hurt in a car accident involving an uninsured or underinsured driver, do not face the insurance company on your own. The attorneys at Richardson Richardson Boudreaux have helped Oklahomans navigate complex insurance claims for more than 40 years. We handle every detail of the UM or UIM process so you can focus on your health and recovery.
We offer a free consultation to review your case, answer your questions, and explain your legal options. Call 918-888-8000 or reach out through our contact form to get the help you need today.
Written By Charles L. “Chuck” Richardson
As a managing partner and personal injury lawyer at Richardson Richardson Boudreaux, Chuck has successfully achieved the largest verdict in four counties in Oklahoma. In addition, juries have awarded Chuck verdicts of $6,900,000, $10,000,000 and $6,500,000 among many others. Chuck is not intimidated by big companies difficult cases. He has successfully tried and/or settled cases involving medical malpractice, commercial truck accidents, car accidents, and accidents involving catastrophic injuries or death.
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