Uninsured Car Accident? Contact A Car Wreck Attorney in OKC!
When you're involved in a car accident, the last thing you want to worry about is whether the other driver has enough insurance to cover your damages. Unfortunately, many drivers in Oklahoma either carry minimal insurance or none at all. This is where uninsured and underinsured motorist (UM/UIM) coverage becomes essential. It acts as a financial safety net, protecting you from the costs associated with accidents caused by underinsured or uninsured drivers. For peace of mind and comprehensive protection, it's crucial to understand how UM/UIM coverage works. When in doubt, consulting a car wreck attorney in OKC can make all the difference.
Protecting Yourself With Uninsured And Underinsured Motorist Coverage In Oklahoma
UM/UIM coverage is a critical component of your car insurance in Oklahoma, designed to safeguard you financially when involved in accidents with drivers who have inadequate or no insurance. This comprehensive guide delves into the nuances of UM/UIM coverage, ensuring you're equipped with the knowledge to navigate the complexities of such situations.
Understanding UM/UIM Coverage:
Automatic Inclusion: Oklahoma law mandates that UM/UIM coverage be automatically included in your car insurance policy unless you explicitly decline it in writing. This coverage is not an optional add-on, underscoring its significance in protecting you and your passengers.
Dual Protection: UM/UIM coverage serves a dual purpose. Uninsured motorist (UM) coverage activates when the at-fault driver lacks insurance entirely, while underinsured motorist (UIM) coverage applies when the at-fault driver's coverage is insufficient to cover the full extent of your injuries and damages.
Navigating Uninsured Motorist Claims:
Hit-and-Runs: In hit-and-run accidents where the at-fault driver remains unidentified, your UM coverage steps in to compensate for your injuries and damages. This ensures you're not left to bear the financial burden alone.
Claims Process: If you're involved in an accident with an uninsured driver, promptly notify your insurance company and initiate a claim. They will assess the situation, gather evidence, and determine the appropriate compensation based on your UM policy limits.
Addressing Underinsured Motorist Claims:
Inadequate Coverage: UIM coverage becomes crucial when the at-fault driver's insurance policy limits are too low to fully cover your medical expenses, lost wages, and other damages resulting from the accident.
Oklahoma Minimums: In Oklahoma, the minimum liability coverage is $25,000 per person and $50,000 per accident. If your damages exceed these limits, your UIM coverage will activate to cover the difference.
Claim Coordination: You'll typically need to exhaust the at-fault driver's insurance coverage before considering your UIM coverage. Your insurance company will guide you through this process.
Seeking Legal Counsel:
Car Wreck Attorney: Consulting a car wreck attorney is highly recommended when dealing with UM/UIM claims. Their expertise can significantly streamline the claims process and ensure you receive fair compensation for your injuries and losses.
Negotiation and Representation: Car wreck lawyers are skilled negotiators who can interact with insurance companies on your behalf, ensuring your rights are protected and you receive the maximum benefits available under your UM/UIM coverage.
After A Car Wreck With An Uninsured Driver:
Don't Delay: File your uninsured driver claim promptly to avoid potential denial.
In Theory, It's Simple:
Notify your car insurance company about the accident.
Submit evidence: police report, photos, medical bills, etc.
The insurance company reviews your claim and may investigate further.
If not at fault, you'll receive a settlement offer.
In Reality, It's Complex:
Insurance companies often low-ball offers.
They want to minimize payout, not give you fair compensation.
You have options, and a car wreck attorney can significantly help.
Can A Car Wreck Attorney Help, Even If It's Your Own Insurance?
Your Insurance Company Isn't Always on Your Side: Despite being a loyal customer, your insurer may employ tactics to minimize payouts on your uninsured motorist claim. This includes downplaying your injuries and using social media posts against you.
Car Wreck Attorneys Level the Playing Field: Experienced attorneys understand these tactics and build strong cases to counter them. They investigate thoroughly, gathering evidence like:
CCTV footage
Accident reconstruction expert analysis
Medical expert testimony
Other supporting evidence
Maximizing Your Compensation: car wreck attorneys aim to prove the other driver's fault and ensure your insurance policy covers your losses fully. They can also identify additional insurance sources to supplement your coverage if needed.
No Upfront Costs: Reputable car wreck attorneys work on a contingency fee basis. You only pay if they win your case, and fees come from the settlement, not your pocket.
Facing Insurance Giants With Foshee & Yaffe Attorneys at Law
Don't let an uninsured or underinsured driver wreck your finances, too. If you're facing an uphill battle with your own insurance company, get the experienced legal team at Foshee & Yaffe Attorneys at Law on your side. We know the tactics insurers use, and we fight to ensure you receive the maximum compensation you deserve. Contact a car wreck attorney in OKC today for a free consultation and take the first step towards protecting your rights.
**Disclaimer: This content is not to be construed as legal advice nor does it establish terms of a client-attorney relationship.