Car insurance is mandatory in Oklahoma. If a negligent motorist hits you and they do not have auto insurance, you can sue them. To do so, you can hire an Oklahoma car accident lawyer who will pursue your case to the fullest extent.
The team at BDIW Law takes auto crashes seriously. We want to help you get compensation after your car crash, even if it was caused by a motorist who does not have insurance. To learn more, please reach out to us.
Car Insurance Rules Apply to All Motorists in Oklahoma
If you drive a car in Oklahoma, you must have auto insurance liability coverage that meets or exceeds the following requirements:
- $25,000 of bodily injury liability for each person
- $50,000 of bodily injury liability for each accident
- $25,000 of property damage liability for each accident
Auto insurance companies in Oklahoma are legally required to offer uninsured and underinsured motorist coverage. You can buy this coverage to get some level of protection if you get into an accident with an uninsured or underinsured motorist. However, the coverage is not a requirement, and you can opt out of it in writing.
Along with uninsured and underinsured motorist coverage, it can be beneficial to purchase comprehensive and collision insurance. On the other hand, doing so can increase your insurance premiums. You can have these coverages in place — but there is no guarantee that you can avoid all of the costs that come with getting into an accident with an uninsured driver.
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Oklahoma Lawmakers Hold At-Fault Drivers Responsible for Their Actions
Anyone who causes a car accident in Oklahoma can be held financially responsible for the incident. This is due to the fact that Oklahoma is classified as an “at-fault state.” This means that a negligent driver can be forced to pay for the costs of an auto crash that they cause, regardless of whether they have insurance.
Oklahoma is considered to be a modified comparative negligence state, too. If a driver is primarily responsible for a car crash, they cannot seek damages from anyone else involved in it. Thus, an uninsured driver who runs through a red light but is found to be less than 50% at fault for an accident will not have to pay any damages in accordance with state laws.
When you get into a car crash that happens due to another driver’s negligence, you should gather as much evidence as you can at the scene. You can capture photos and videos of any damage to your vehicle and injuries. In addition, you should get the contact information of the other driver and anyone who saw your crash happen.
Drivers Can Be Punished if They Do Not Have Insurance in Oklahoma
The penalties for driving without auto insurance range from minor to severe. If someone is driving with no insurance for the first time, they can get a ticket and be fined up to $250. For repeat offenders, the penalties can include a suspension of their driver’s license and incarceration for up to 30 days.
Following an auto accident, you should call 911 and get the contact and insurance information from the other motorist. If this driver does not have insurance, you can let police officers who arrive on the scene know. The police should note this information — and if no one gets a ticket after a car accident, you can still sue the uninsured driver.
BDIW Law is an Oklahoma law firm with many years of experience in car crash cases. We can take a look at your auto crash case and help you request compensation for any damages that you have incurred. To get started, please contact us today.
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You Should File Your Oklahoma Car Accident Lawsuit Right Away
There is a two-year statute of limitations for suing someone due to a car accident personal injury, per Oklahoma Statute §12-95. This statute applies to Oklahoma motorists. If you wait beyond two years from the date of your auto crash and injury, you lose the right to sue for damages.
In a car crash lawsuit, you can ask for economic and non-economic damages. You can seek economic damages based on damage to your car, your medical bills, and other quantifiable losses. Meanwhile, you can request non-economic compensation based on your pain and suffering.
You never know what injuries show up after a car crash. When you have a proven car accident lawyer in Oklahoma at your side, you can sue a driver who may or may not have insurance based on your damages. You can ask this motorist for tens or hundreds of thousands of dollars in compensation, depending on the severity of your crash.
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It Is Critical to Calculate Your Auto Accident Damages
You may have to deal with substantial costs due to your auto accident. The uninsured motorist who caused your accident should be held responsible for these costs. To ensure that this is the case, you can hire a car accident attorney in Oklahoma.
Your auto crash attorney takes an in-depth look at your accident, finds out why it happens, and helps you build your case. Before your lawyer files your lawsuit, they consider all of the costs that you have incurred due to your crash and any others that you may face in the future. This gives your attorney the information that they need to help you pursue the most compensation possible.
In an auto accident lawsuit, your lawyer will encourage you to request both economic and non-economic damages. The total amount of compensation that you request can lead a negligent motorist to rethink their decision to drive without insurance. It may also push this motorist to offer a settlement in the hopes that they can resolve the lawsuit without an expensive and lengthy trial.
Partner with an Oklahoma Car Accident Lawyer
If you are involved in an auto accident with an uninsured motorist, you still have legal rights. At BDIW Law, we protect our clients’ legal rights, and we can help you get compensation from anyone responsible for your auto crash. For more information or to request a free case consultation, please contact us today.
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