What if the at-fault driver does not have insurance?

If the at-fault driver of a bicycle accident does not have insurance, the injured cyclist may be left without a means to gain reimbursement for medical bills or other damages. Without insurance, the cyclist must find another way to get the money needed to cover these expenses. The best option is to seek compensation from the at-fault driver through a personal injury lawsuit. In Oklahoma, the cyclist must prove that the at-fault driver was negligent in order to win the case and receive damages. Negligence means that the at-fault driver was not careful and did not act as a reasonable person would. To prove negligence, the cyclist will need evidence such as pictures, medical records, witnesses, and accident reports. If a lawsuit does not seem appropriate or likely to succeed, then another option is to try to get reimbursement from the injured cyclist’s own insurance provider. This is called an uninsured motorist claim and can be beneficial for cyclists who have uninsured motorist coverage on their policy. Before filing a claim, the cyclist should thoroughly discuss it with their insurance company to ensure they understand the process and any limitations, such as deductibles. If a cyclist finds themselves in an accident in Oklahoma and the at-fault driver does not have insurance, then they should consider their legal and insurance options to gain repayment for their damages. A lawsuit might be necessary, or an uninsured motorist claim might be the best route. No matter which option is chosen, the cyclist should consult an attorney and insurance provider to find the best solution.

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What if the at-fault driver does not have insurance?

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