Victims often feel humiliated and frustrated when they suffer injuries due to the negligent conduct of an uninsured motorist. A car accident lawyer can help you pursue monetary compensation for your injuries.
One of the best things you can do if you are struck by an uninsured motorist is to speak to an uninsured motorist accident attorney in Oklahoma City who is knowledgeable about uninsured motorist insurance.
Uninsured Motorists in Oklahoma City
The State of Oklahoma requires that all drivers have automobile liability insurance. However, it is likely that approximately twenty percent of all drivers do not have any form of automobile liability insurance. Sometimes individuals cannot afford to purchase automobile liability insurance due to the rising cost of living.
Suffering injuries during an accident with an uninsured motorist can lead to financial problems if you do not retain a skilled car accident attorney. Many drivers may choose to purchase uninsured and underinsured motorist coverage as part of their automobile insurance policies. However, not all drivers have uninsured motorist insurance.
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Defining Uninsured Motorists
An uninsured motorist is someone who is not covered by an automobile liability insurance policy. Sometimes a driver is denied liability coverage in specific circumstances. Drivers who are involved in hit-and-run accidents and the owner of the vehicle cannot be identified are also involved with an uninsured motorist.
An automobile may also be uninsured if the insurance company goes out of business while an insurance claim is ongoing. These circumstances may give rise to complex scenarios that require the assistance of legal counsel. Speaking with a knowledgeable uninsured motorist accident lawyer in Oklahoma City will help you protect your legal rights.
Uninsured Motorist Liability Coverage
If you suffer injuries during a car accident and you possess uninsured motorist coverage then you may file an insurance claim with your own insurer. Automobile insurance companies offer uninsured motorist coverage to customers in the state of Oklahoma. The two main forms of uninsured motorist coverage are uninsured motorist property damage insurance and uninsured motorist bodily injury insurance.
Uninsured motorist property damage insurance pays for damage to your automobile if an uninsured driver strikes your vehicle. Uninsured motorist bodily injury coverage provides protection to you and the passengers inside your automobile in the event of an accident with an uninsured motorist. These two types of uninsured motorist coverage are common in Oklahoma City.
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Filing An Uninsured Motorist Claim in Oklahoma City
If you file an uninsured motorist claim with your insurance company, then you must prove that the other party was at fault and that this party did not possess automobile liability insurance. The majority of automobile insurance policies contain deadlines for providing notice of uninsured claims. Notifying your insurer of the accident as soon as possible will make it easier for you to submit an uninsured motorist claim.
Uninsured motorist insurance claims are similar to automobile accident claims. A settlement may be reached but you may need to enter formal arbitration. If this does not resolve the claim, then it may be necessary to go before an arbitrator who can make a binding decision.
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Proving an Uninsured Motorist Claim
If you are involved in an automobile accident with an uninsured motorist, then you need to prove the four elements of negligence: duty, breach, causation, and damages. Every driver must act as a reasonably prudent person under similar circumstances. If a driver breaches this duty, and the breach causes a party’s injuries, then the breaching party may be liable for damages.
You will need to estimate the value of your losses, including any property damage and medical bills associated with your case. The total damages in your case will dictate how much financial compensation you may seek as part of your uninsured motorist claim. An uninsured motorist accident attorney in Oklahoma City can help you determine which damages may apply to your case.
The Benefits of Retaining an Oklahoma City Uninsured Motorist Accident Lawyer
Insurance companies will attempt to claim that they are not liable for the accident. Having a skilled Oklahoma City uninsured motorist accident attorney on your side can help you deal with the tactics used by insurance companies. Insurance claim adjusters may attempt to take advantage of your ignorance to make you admit liability.
An Oklahoma uninsured motorist accident lawyer will make sure that you benefit from attorney-client privilege and attorney-client confidentiality. Protecting information about the accident will ensure that the insurance company cannot attempt to trick you into making statements that will damage your case. Therefore, seeking out legal representation is one of the best things you can do if you are dealing with an uninsured motorist case.
Do Not Provide Any Statements to the Insurance Company
You should speak to an uninsured motorist accident attorney before you provide any oral or written statements to an insurance company. Also, do not engage in telephone conversations with insurance claim adjusters if they call you. They will only be accommodating and police because they want to trick you into making statements that can be used later to damage your case.
Unfortunately, you have to be strategic about the information you share regarding your accident and your medical treatment. Do not post photographs and videos on social media applications describing your injuries or your anticipated medical treatment. You do not want to cause the insurance company to assert that you did not suffer any injuries during the accident or that you are not in fact injured at all.
Contact BDIW Law Today to Schedule a Free Consultation
Dealing with uninsured motorist cases can be difficult and confusing. We have years of experience representing clients in uninsured motorist cases. Contact us today to schedule a free consultation during which we can discuss the facts of your case.
Our attorneys can help you take advantage of the legal rights available to you. Reach out to us today to learn more about the benefits of hiring an uninsured motorist accident attorney in Oklahoma City. We can help you seek monetary compensation for your injuries.
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