UM/UIM insurance is the way Tulsa car accident victims are compensated for their damages when the liable parties don’t have enough insurance, or don’t have any insurance. Many vehicle owners, if they do have insurance, just have the minimum 25/50/25 that Oklahoma requires; a serious crash can cost much, much more. The right to file a UM/UIM claim generally requires: A showing that the liable defendants don’t have any insurance. In many cases, drivers have no insurance, despite laws requiring coverage. A showing that the liable defendants don’t have enough insurance. In other cases, an at-fault person had insurance coverage. However, the person injured has damages that exceed the available insurance coverage. Once a value is placed on the damages (either by agreement) or by a court decision, then a determination can be made as to whether the liability insurance cover is insufficient. An experienced Tulsa UM/UIM lawyer can explain when you can file a direct claim with your own insurance carrier and when you need to wait until the liability case against the defendants is resolved.