Jeremy Thurman on August 31, 2010
Injuryboard.com contributor Carley Partridge wrote an insightful blog on “Driving for Better Coverage.” In the blog she discusses the fact that Washington’s minimum compulsory insurance limits ($25,000.00 per accident) are insufficient in light of the ever increasing cost of medical care.
I wanted to share this with our Oklahoma readers. Just like Washington, Oklahoma allows drivers to carry the state minimum of $25,000.00 in coverage. As an experienced Oklahoma personal injury attorney, I concur that these minimums are insufficient to cover most car accident injuries.
In addition to Ms. Patridge blog, I wanted to touch on the importance of carrying uninsured motorist coverage. One of the most difficult things I have to do as a personal injury attorney is to tell a client that the tortfeasor (negligent party) does not have insurance or has insufficient coverage to pay for their medical expenses. Then comes the ominous question of whether that client has uninsured motorist coverage.
Sadly, many Oklahomans fail to grasp the importance of carrying uninsured motorist coverage. They either do not want to spend the extra money or are ill informed about the importance of it via their insurance agent. Many Oklahomans carry the state minimum of $25,000.00. Others simply don’t carrying any insurance at all as studies consistently show that 25% – 30% of Oklahoma drivers are uninsured. As someone who has handled hundreds of car accident claims, I cannot overstate the importance of at least carrying $100,000.00 in uninsured motorist coverage.
As Ms. Partridge eloquently stated in her blog, medical costs dictate obtaining adequate coverage. You cannot depend on the negligent party to carry sufficient coverage; therefore its imperative Oklahomans’ reevaluate their coverage.