OKC Uninsured Motorist Accident Attorneys
What You Need to Know About Uninsured Motorist Accidents in Oklahoma
After the hope or realization that they aren't seriously injured, there is usually one concern on a person's mind immediately following an auto accident: Does the other driver have insurance?
One of the essential parts of a driver education program is learning what to do in the event of an accident. The main thing you are taught to do is to exchange pertinent information, such as name, address and, of course, insurance. They don't tell you that oftentimes drivers won't bother purchasing car insurance, even though they are required to under law. So what happens when you are involved in a car accident, that was clearly the fault of the other driver, and you find out that they don't have insurance coverage to pay for the injuries and/or property damage you have suffered? You have to rely on your own insurance coverage and find an experienced OKC car accident attorney who can make sure you obtain the compensation you deserve.
Oklahoma Minimum Car Insurance Requirements
Every state has a minimum amount of liability insurance that every driver must purchase, and have proof of, if they plan on operating their vehicle on state roads. In Oklahoma, the minimum required liability insurance includes $25,000 for the injury or death of one person, $50,000 for the injury or death of all people in an accident, and $25,000 for property damage, or 25/50/25. This does not necessarily mean that the minimum requirement is all you need, however. If you notice, uninsured motorist coverage is not included.
If you want to be protected against uninsured drivers, you need to purchase uninsured motorists coverage as part of your car insurance policy. Doing so will ensure that you can get the compensation you need to recover from your injuries, even if the other driver does not have insurance. That is, if the insurance company does not deny your claim.
Dealing with Insurance Companies
Insurance companies are in the business of making money; yes, even your own insurance company. It is common for insurance companies to deny claims on inconsequential technicalities or to deny full compensation even if your policy clearly covers the amount. Insurance companies may also give you the run-around to delay payment or even manipulate you into accepting a low settlement. The only way to ensure that you are not taken advantage of by the insurance company is to have a knowledgeable attorney on your side that has experience in dealing with and obtaining fair compensation from insurance companies.
Providing Effective Representation for Fair Compensation
After being injured in an Oklahoma car accident, the last thing you should have to worry about is being able to pay for medical care or how to afford to put food on the table. It is your job to heal; it is our job to make sure you have the compensation you need to do so. Dedicated Oklahoma City uninsured motorist accident attorney Ray Maples can deal with the insurance company and pursue legal action against the at-fault driver to ensure the protection of your financial future. To find out more about how he can help you, contact him today at (405) 883-4487 for a free consultation.