Uninsured Motorist Coverage — Oklahoma
Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or insufficient coverage to pay your claim.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) pays for your medical bills, lost wages, and vehicle damage when you're hit by a driver with no insurance. Underinsured motorist coverage (UIM) kicks in when the at-fault driver has insurance but their liability limits are too low to cover your full claim. Both coverages protect you and your passengers — your own liability policy only pays the other driver's expenses, not yours. UM/UIM is the only coverage that fills the gap when the person who caused the crash can't pay.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
It's especially important if you don't have health insurance with strong coverage or if you're the primary income earner in your household — a major injury without UM/UIM can leave you personally liable for tens of thousands in medical debt.
Compare the annual cost of UM/UIM to your health insurance deductible and out-of-pocket maximum.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your UM/UIM coverage limits — higher limits cost more, but the per-dollar cost decreases as limits increase.
- Whether you select stacked or unstacked coverage — stacked UM/UIM multiplies your per-vehicle limit by the number of vehicles on your policy, increasing both protection and cost.
- Your ZIP code's uninsured driver rate — areas with higher percentages of uninsured motorists see higher UM/UIM premiums.
- Your liability limits — carriers often tie UM/UIM pricing to your liability coverage tier, with higher liability limits triggering slightly higher UM/UIM rates.
- Whether you include property damage under UM — some states and carriers separate UM for bodily injury from UM for property damage, with the latter adding cost.
