What Happens if You Get into a Car Accident with No Insurance?

Clayton T. Hasbrook

Written by Clayton T. Hasbrook. Last modified on April 30, 2024

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What Happens if You Get into a Car Accident with No Insurance?No one enjoys going through the hassle of getting insured, but the consequences of driving without insurance – which happens to be illegal – might make you think twice.  This article will explain Oklahoma’s minimum requirements for automotive insurance and cover the penalties uninsured drivers face.  If you’re ever in a car accident, you’ll be glad you’re covered – and hopefully, the other driver will have proper coverage, too.  If that’s an issue you’re worried about, you should consider purchasing Uninsured Motorist (UM) or Underinsured Motorist (UIM) coverage for added protection.

Driving without insurance is a violation of the law and a decision that could lead to severe financial and legal consequences. This article outlines Oklahoma’s minimum requirements for automotive insurance and the penalties that uninsured drivers may face. Insurance coverage is beneficial if you are involved in a car accident, and it’s wise to consider additional protection through Uninsured Motorist (UM) or Underinsured Motorist (UIM) coverage.

Oklahoma Minimum Auto Insurance Requirements and UM/UIM Coveragecartoon car accident

It’s imperative that those currently uninsured secure insurance coverage promptly. While obtaining auto insurance may seem tedious and costly, the repercussions of driving uninsured can be far more burdensome. Let’s delve into Oklahoma’s minimum auto insurance requirements and the potential financial implications when accident costs exceed the at-fault driver’s coverage limits.

Drivers must have liability insurance to cover injuries and accident damage in Oklahoma. According to 47 O.S. § 7-204, a liability insurance policy in Oklahoma must include:

  • $25,000 for property damage.
  • $25,000 for personal injury or wrongful death per person.
  • $50,000 for personal injury or wrongful death per accident, accommodating scenarios where multiple individuals are injured or killed.

These figures represent the minimum coverage required by law. Drivers may also opt for additional types of coverage, such as comprehensive coverage, based on their personal needs and preferences.

Significantly, the costs associated with severe accidents often surpass these minimum coverage amounts. For instance, the average price of a car accident resulting in injury is estimated at $126,000, while accidents resulting in wrongful death can cost around $6 million. When an at-fault driver’s insurance is insufficient, they may face the challenge of covering the excess costs out-of-pocket, potentially leading to financial distress.

Oklahoma drivers are encouraged to explore U.M. or UIM coverage to mitigate such risks, as specified in 36 O.S. § 3636. This coverage offers additional protection when the at-fault driver is uninsured or underinsured.

With approximately 13% of U.S. drivers uninsured and possibly higher rates in Oklahoma, securing adequate insurance coverage is prudent for all drivers.

Penalties for driving without insurance in Oklahoma include:You can be fined up to $250

  • Fines up to $250 per 47 O.S. § 7-606.
  • Up to 30 days of incarceration, according to 47 O.S. § 7-606.
  • Driver’s license suspension, outlined in 47 O.S. § 7-206.
  • Vehicle registration suspension, as per 47 O.S. § 7-603.
  • Additional penalties for driving with a suspended license, including fines and incarceration, according to 47 O.S. § 6-303.

A driver’s prior history of traffic violations or reckless behavior can also influence the outcome of car accident lawsuits, as insurance companies may consider these factors when determining liability.

Uninsured Motorist Accident FAQs

What are the minimum auto insurance requirements in Oklahoma?

In Oklahoma, drivers must have liability insurance that includes at least $25,000 for property damage, $25,000 for personal injury or wrongful death per person, and $50,000 for personal injury or wrongful death per accident.

What is coverage for Uninsured Motorists (UIM) or Underinsured Motorists (UIM)?

U.M. or UIM coverage provides additional protection if you’re involved in an accident where the at-fault driver lacks sufficient insurance coverage. U.M. coverage applies when the at-fault driver has no insurance, while UIM coverage helps when their insurance is inadequate.

What penalties do uninsured drivers face in Oklahoma?You can be sentenced to jail for up to 30 days

Uninsured drivers in Oklahoma can face fines of up to $250, up to 30 days of incarceration, suspension of their driver’s license and vehicle registration, and additional penalties for driving with a suspended license.

How does a bad driving history affect a car accident lawsuit?

A history of traffic violations or reckless behavior can negatively impact a driver in a car accident lawsuit. Insurance companies may use this history to challenge the driver’s liability claim.

Can accident costs exceed the minimum insurance coverage?

Yes, the costs associated with severe accidents often surpass the minimum insurance coverage. The average price of an injury accident is estimated at $126,000, significantly higher than the minimum coverage amounts.

What should I do if I’m involved in an accident with an uninsured driver?

If you’re involved in an accident with an uninsured driver, you must contact the police to file a report and contact your insurance company. If you have U.M. or UIM coverage, this can provide additional financial protection.

Is it legal to drive without insurance in Oklahoma?

No, driving without insurance in Oklahoma is illegal and can result in significant penalties, including fines, incarceration, and suspension of driving privileges.

How can I protect myself from uninsured drivers?

Purchasing U.M. or UIM coverage is an effective way to protect yourself from the financial risks of uninsured or underinsured drivers.

What happens if I can’t afford auto insurance?

Due to the legal and financial risks, driving without insurance is not a viable option. Exploring all available insurance options and considering speaking with an insurance agent to find a policy that fits your budget is essential.

Can I be sued for damages if I cause an accident while uninsured?

Yes, suppose you cause an accident while uninsured. In that case, you can be personally liable for damages, including medical expenses, property damage, and other costs incurred by the injured parties.

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This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Founding Partner, Clayton T. Hasbrook who has years of legal experience as a personal injury lawyer. Our last modified date shows when this page was last reviewed.