Driving without insurance is illegal in Oklahoma. If caught, you will be charged with a misdemeanor. As a result, you can face the suspension of your vehicle registration, the suspension of your driving privileges for up to one year, fines of up to $250, and possibly even jail time. By the time you are done paying to get everything reinstated, you can be out as much as $850.
Despite this, approximately one out every ten drivers you are sharing the roads with is driving an uninsured vehicle. These drivers have no financial backup to cover the cost of accidents and are unlikely to be able to pay for any medical attention you may need if they cause a collision with your vehicle. This means you may need to go through lengthy court hearings and lawsuits just to get a fraction of what is owed to you.
Fortunately, if you include uninsured motorist coverage in your auto policy, you can have the coverage you need right away if an uninsured driver hits you. This optional insurance pays for your medical expenses if you are in an accident and the at-fault driver is uninsured or under-insured. Your insurance company will then assume the responsibility of trying to collect the money owed from the at-fault driver.