Oklahoma Car Accident Frequently Asked Questions
Attorney Answers Frequently Asked Questions About Auto Accidents
You were involved in a car crash that was caused by another party and now you're dealing with the stressful aftermath. The at-fault driver and their insurance company is disputing your claim, the medical bills are piling up, you're not sure when you can return to work - you are feeling so overwhelmed trying to tackle all of these issues at the same time that it's causing you a splitting headache! However, you can improve your situation by knowing the answers to the right questions. Attorney Ray Maples has provided the following FAQ to help you and others like you out.
Q: What should I do immediately after a traffic accident?
A: There are five essential steps you should take after a car accident to ensure that your claim remains viable:
- Get immediate medical attention.
- Gather important information and possible evidence, including contact info of involved parties and witnesses, police and medical reports, pictures and video footage if available and other essential materials.
- Do not talk to anyone about your accident. Remember that your words can and will be used against you.
- Avoid talking to the insurance adjuster or signing anything before you…
- Consult with an attorney.
Q: How long do I have to file a lawsuit?
A: In Oklahoma, the statute of limitations for auto accident claims is two years from the date of the incident. While this may seem like plenty of time, it is best for you to file your claim as soon as possible. Evidence tends to fade with time, so the earlier your attorney can start investigating your case, the stronger your claim will be down the line.
Q: What is the minimum auto insurance coverage in Oklahoma?
A: In Oklahoma, the minimum liability limits are $25,000 per injured individual, $50,000 for all injuries in one accident and $25,000 for property damage.
Q: What if the at-fault driver does not have adequate coverage?
A: If you have uninsured motorist coverage, you can pursue compensation for injuries caused by the uninsured/underinsured motorist from your own insurance company. However, if you also want payment for property damage repairs, you have to have collision coverage.
Q: If I file a claim on my own auto policy, won't my rates go up?
A: No. According to Section 941 of the Oklahoma Insurance Code, your company cannot assign driving record points, cancel, refuse to renew or increase the premium rate of your insurance policy for an accident that was not your fault.
Q: What is comparative negligence and how does this legal concept apply to my claim case?
A: Under this concept, the amount of compensation you are eligible to receive from the insurance company in the event of an accident is inversely correlated to your percentage of fault. For example, if your total damages in a claim case is determined to be $10,000, but you were 25 percent at fault for the incident, you will be awarded $7,500 ($10,000 – (25 percent of $10,000)).
Q: Why should I hire you?
A: Consult with experienced Oklahoma car accident attorney Ray Maples today for reliable legal guidance. In your stead, we can handle your legal and financial matters so you can relax and focus on your recovery. Our legal team will do their best to get you the compensation you need not only to heal but also to secure future stability. For a free, comprehensive consultation, please call us today at (405) 883-4487.