Every day someone asks me what "Uninsured Motorist" coverage is. Some people think that if they add "Uninsured Motorist" coverage to their auto insurance policy, it means that anyone can drive the vehicle. Others, instead think that it will fix their vehicle if they are involved in an accident with an uninsured driver. In reality, neither of these has anything to do with "Uninsured Motorist" coverage.

In Oklahoma "Uninsured Motorist" coverage is an optional coverage you can purchase as part of your automobile insurance policy. This coverage will pay for the medical bills of you and/or your passengers if you are involved in a motor vehicle collision that is not your faultwhen the at fault party does not have any, or have enough insurance to cover your (and your passenger's) medical bills. In Oklahoma, "Uninsured Motorist" coverage does not provide any physical damage coverage for your vehicle.

A lot of people now ask me how this is different from "Medical Payments". That is a longer discussion I'll tackle at a later time. Let's just say that "Uninsured Motorist" must have a collision to trigger the coverage, where "Medical Payments" does not.
Posted 3:06 PM  View Comments

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