Most states have a law requiring motorists to carry liability insurance coverage in the case of an accident on the roadways. The state of Oklahoma is no exception to this rule and has certain minimum required amounts that drivers must carry if they cause property damage or injury to another motorist as a result of their negligence. Unfortunately, the state of Oklahoma has more uninsured drivers than most other states in the country, as reported by the Oklahoma Insurance Department.
As a result, when these uninsured drivers cause accidents, victims are often left unsure who will compensate them for their medical bills, lost wages, property damage, and pain and suffering. If you experienced a car accident with a driver that did not have proper insurance coverage, visit with our legal team to learn how an Oklahoma City uninsured car accident lawyer at Ben Crump Law, PLLC at (800) 598-7557 can help you seek the compensation you deserve.
Understanding Uninsured Car Accidents
Any motorist that operates a motor vehicle in the state of Oklahoma without the required minimum liability insurance is an uninsured motorist. When these drivers cause an accident as a result of their negligence, the result is damage to property and injuries to other drivers, motorists, and even pedestrians. In cases where a motorist does not have appropriate insurance coverage, the ability of victims to receive compensation for their injuries and losses can prove challenging or even impossible.
For a free legal consultation with a uninsured car accidents lawyer serving Oklahoma City, call (800) 598-7557
Oklahoma Minimum Car Insurance Laws
According to the Oklahoma Insurance Department, there are minimum amounts of coverage that every motorist must have in the state of Oklahoma to comply with insurance laws. The following are the coverage amounts every driver must have:
- $25,000 of coverage for bodily injury protection per person
- $50,000 of coverage per accident
- $25,000 of coverage for property damage protection
It is important to understand that most car accidents require much more than these minimum amounts to fully and fairly compensate victims for their injuries and losses. Therefore, if a negligent party only has these minimum amounts of coverage, they may remain responsible personally for the remainder of a victim’s economic and non-economic losses related to the accident. Unfortunately, most drivers that fail to carry this amount of coverage also do not have a great deal of personal financial ability to compensate victims out of their own pockets following a serious car accident.
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How Victims Can Pursue Compensation Following an Accident with an Uninsured Motorist
Many insurance companies provide the option for motorists to obtain uninsured/underinsured motorist coverage. This type of car insurance coverage is not required under the law in the state of Oklahoma, however, is often offered by most insurance companies.
One of the first things you should do following your car accident with an uninsured motorist is to contact your own insurance company to see if you have this type of insurance coverage. However, it is extremely important not to simply take the word of the insurance agent over the phone.
Request an official copy of your particular insurance policy so that you can see your coverages in writing. If you have uninsured/underinsured coverage, you will have to then deal with your own insurance company to obtain compensation for your injuries and losses resulting from your car accidents.
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Obtaining Compensation from Your Own Insurance Company
If you need to turn to your own insurance coverage in order to receive compensation for your injuries and losses resulting from a car accident with an uninsured motorist, you may still run into trouble. An insurer may undervalue your claim or deny it outright.
Ben Crump Law, PLLC can explain how an Oklahoma City uninsured car accident lawyer can negotiate on your behalf with your insurance company to help you seek the compensation you deserve under the law.
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Learn More in a Free Consultation with an Oklahoma City Uninsured Car Accident Lawyer
If you suffered injuries or losses in a car accident with an uninsured motorist, you likely have additional challenges and face complex issues. Consider contacting our legal team at Ben Crump Law, PLLC. Call us at (800) 598-7557 for a free consultation to see how an Oklahoma City uninsured car accident lawyer can help you with your case.
Time is generally of importance when filing a personal injury or wrongful death lawsuit. You will want to give yourself as much time as possible to investigate the accident, gather evidence, and negotiate with insurers. These processes do not happen instantly, and your time to file a lawsuit begins counting down from the date of the accident.
Do not let a negligent driver escape their duty to compensate you fairly for the losses they caused you. Take action by reaching out to us for help with your case as soon as possible. You may have injuries and losses that qualify you to receive compensation either from your own insurance policy or that of the other driver’s. If these avenues do not yield fair compensation, you may have the option to sue in a court of law. A lawyer can help you abide by the relevant statute of limitations that apply to your case, based on your state.
Call or text (800) 598-7557 or complete a Free Case Evaluation form