Drivers in Oklahoma must carry auto liability insurance, but many motorists drive without it. If you’re involved in a crash with an uninsured driver, the situation can feel overwhelming. But by following these steps, you can make handling it easier with your insurance agency at D & E Insurance Agency, serving Muskogee, OK.
Document the Scene
Safety first. Drivers pull over to a safe location and dial 911 if there are any injuries. In Oklahoma, police are required to file a crash report if there are injuries or fatalities. Police will also document if the other driver provided evidence of insurance. Take pictures of both vehicles, license plates, the road, traffic signs, and any visible injuries. Write down the other driver’s name, address, license number, vehicle information, and get the contact information for any witnesses.
Notify Your Insurer
The policyholder calls his or her own auto insurance company immediately after the wreck. Insurers are required to provide uninsured motorist coverage in Oklahoma. Drivers who opted into that coverage when they purchased their insurance policy can make a claim under that coverage for medical costs and other damages caused by an uninsured motorist. If a driver carries collision coverage, that coverage can be used to pay for vehicle repairs no matter who caused the accident. The declarations page will indicate which coverages are provided.
Mind the Time Limits
Oklahoma allows two years from the date of an accident to file a personal injury lawsuit or sue for property damage. Insurance policies may provide shorter timeframes in which to report a claim, so give notice as soon as possible. Keep all records safe in case you’re asked to provide them.
Organized records, quick communication with an insurer, and awareness of Oklahoma’s rules put drivers in a strong position. D & E Insurance Agency, serving Muskogee, OK, can review coverage and answer questions for you.
