Have you recently been involved in a collision with an uninsured driver? Are you wondering how you will hold them accountable when they do not have insurance coverage? Ensure you have an experienced and savvy Oklahoma uninsured motorist accident lawyer advocating for your rights.
Just because the liable party does not have insurance coverage does not mean you are without legal options. Contact our Oklahoma car accident lawyer at BDIW Law for a free consultation today to learn more about when you can file an insurance claim, how lawsuits against uninsured motorists work, and the value of your claim.
What Makes Uninsured Motorist Accident Cases More Complex
When you are involved in an accident with an uninsured motorist, you may have more steps to getting your compensation than in a typical car accident. Holding the at-fault party accountable is more difficult when they are uninsured, especially in cases where a hit-and-run hurts you.
In these cases, your personal uninsured or underinsured motorist coverage should pay for most or all the costs of an uninsured driver. This insurance policy Is one of the critical requirements in many states for drivers, so this insurance policy should already be in place.
However, it can be challenging to hold the driver directly responsible if the insurance company offers a lowball settlement or if they deny your claim. In many cases, the insurance company is your main avenue for compensation for your losses, so a lack of support from the insurer can make your recovery more complex.
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SPEAK TO AN ATTORNEY TODAYHow Uninsured Motorist Accident Insurance Claims Work
When you file a claim with your insurance company for an uninsured motorist accident, you may have more steps than the average person filing an insurance claim. First, you may need to show that the policy applies to your accident. You may need to show that the other driver does not have insurance, or you may need to prove that you were involved in a hit-and-run car accident.
Once you have proven that the other driver is uninsured, you must go through the other steps of demonstrating the value of your requested settlement. First, you must show that you were injured in the accident. Typically, this means you must seek medical care following your accident as soon as possible. You may also need to prove that your car was damaged in the accident.
What to Expect from the Insurer
Through all of this, an insurance adjuster will review the evidence for your claim, determine what your claim is worth, and then either approve or deny your claim. The insurance company may offer you a settlement if your claim is approved.
Unfortunately, many people find themselves facing a lowball settlement offer. These settlement offers will not cover the entirety of the compensation they are entitled to for their injuries. You may need to speak with an uninsured motorist accident lawyer about your claim in these cases.
What Happens When You Do Not Have Uninsured Motorist Accident Coverage
If you do not have uninsured motorist accident coverage, you may have a more difficult time getting compensated, especially if you do not have legal representation. This insurance policy is supposed to protect you when the other driver is unprepared to pay for your claim.
You and your lawyer may need to take your claim to court against the at-fault driver in these cases. When you are injured, and the other person cannot pay through their insurance company, they may still be held financially liable for your injuries, giving you the funds you need to recover from your accident.
Damages Insurance Should Cover
When you are involved in a car accident with an uninsured motorist, you still need to know what your claim is worth. Knowing what you are due can help you file an insurance claim and know whether you are being lowballed or offered a fair settlement. But what are your damages?
Damages are the economic and non-economic loss and suffering you may have experienced because of your accident. These cover the tangible losses caused by the accident that may have a price tag and the intangible suffering you have experienced because of a serious loss. Your uninsured motorist accident lawyer in Oklahoma can help you understand what your claim is worth and how to calculate these damages.
Below are just a few examples of the damages you may be due that your insurance policy may cover or that you may be eligible for in a lawsuit:
- Medical bills
- Lost wages
- Lost earning capacity
- Pain and suffering
- Loss of enjoyment of life
- Disfigurement
Uninsured Motorists Are Not Always at Fault
When filing a claim for a car accident, it is essential to note that the uninsured motorist that struck you may not be the only potential at-fault party. In some cases, they may have been affected by outside factors they could not control.
For example, they may have lost control of their vehicle because their brakes failed. Brake failure may be the fault of the manufacturer that failed to create a product that would work safely within the scope of its use.
In other cases, they may have been driven into your vehicle by another driver. That driver may have been driving drunk, distracted, or aggressive, and their actions may have left the uninsured driver with no choice but to hit you.
If you have any doubts or questions about who caused your accident, contact an Oklahoma uninsured motorist accident attorney about your car accident. They can review the details of your accident and ensure you get the funds you are due for your recovery.
Get Help from an Uninsured Motorist Accident Attorney in Oklahoma Today
Collisions involving uninsured motorists can be highly complex. Filing a claim with the insurance company may still be possible, depending on the circumstances of your case. Learn more about how you can still recover maximum compensation for your losses and hold uninsured motorists or other liable parties accountable for their negligence.
Contact a reputable Oklahoma uninsured motorist accident lawyer at BDIW Law. Our firm proudly offers 100% free consultations to car accident victims. Claim yours when you complete our quick contact form, or call our office to get started today.
