This guy is lucky his injuries weren’t worse. The driver sped off. Now, he is left to pay for his injuries on his own. What can he do? Call his UM insurance company!
Just the other day I had a client ask me what “UM” insurance is. Really, it’s pretty simple. UM or UIM insurance is uninsured or under-insured motorist insurance. If you are in a wreck and the person who hit you doesn’t have insurance, your UM pays for any injuries you may have. (It does not cover property damage.) In Oklahoma, the law requires your insurance agent offer you UM insurance. If you don’t want to buy it, the insurance company is required to have you sign a rejection where you sign that you don’t want the insurance.
One nice feature of UM insurance is you don’t have to be driving to be covered. The Oklahoma Supreme Court has even said you are covered while sitting on your front porch, if an uninsured driver hits you! With medical bills skyrocketing, the costs involved treating injuries from a wreck can be downright scary! Certain trends tend to repeat themselves. Dangerous drivers seem to be consistently under insured. On the good side, UM insurance is relatively cheap. I’ve seen it save people from insurmountable medical bills or losses from wrecks.
Since this isn’t intended to be legal or insurance advice, give me a call if you have any questions. 580-234-4334.