1 in 4 Oklahoma drivers has no insurance. Here is how you get paid anyway.
Uninsured Motorist (UM) coverage pays for your medical bills and pain and suffering if the at-fault driver has no insurance. Underinsured Motorist (UIM) kicks in when the at-fault driver has insurance, but it's not enough to cover your damages (e.g., they have the state minimum of $25,000).
If you have multiple vehicles with UM coverage, Oklahoma law may allow you to "stack" them. For example, if you have 3 cars with $25,000 UM each, you might have access to $75,000 in total coverage.
No. Oklahoma law prohibits insurance companies from raising your rates for filing a UM/UIM claim if the accident was not your fault.
If you are the victim of a hit-and-run, your UM coverage applies. You do not need to find the other driver to get paid.