When you’re involved in an auto accident where you’re not at fault, you expect the other driver to provide insurance information. But what happens if the at-fault driver doesn’t have adequate liability coverage or no insurance at all? Uninsured and underinsured motorist coverage provides you with financial protection from irresponsible drivers in Muskogee, OK. At D & E Insurance Agency, we offer comprehensive auto insurance to help keep you protected on the road.
How Uninsured/Underinsured Motorist Coverage Works
If you were in a car accident that wasn’t your fault, you would normally file a claim with the at-fault driver’s auto insurance company. You would then receive compensation for repairing your vehicle and possibly payments for medical expenses and/or lost wages.
In some instances, the driver may not have auto insurance or may not have enough liability coverage. While Oklahoma has minimum liability insurance requirements, it may not be enough to cover damages.
Uninsured and underinsured motorist coverage can help pay for your expenses if you were found not at fault after a collision with an uninsured or underinsured driver. This insurance may help pay for medical bills for both you and your passengers if you were injured. It may also help pay for any damages to your vehicle.
Having uninsured motorist (UM) coverage can also be beneficial if you are involved in a hit-and-run accident. If an at-fault driver hits your vehicle and flees the scene, you can file a claim against your UM coverage to cover any injuries and damages.
Stay Protected on the Road with the Right Auto Insurance
D & E Insurance Agency is a leading auto insurance provider serving Muskogee, OK, and the surrounding areas. Call 918-683-0021 to ensure you’re protected on the road.
