Did you recently get into a collision with a driver that fled the scene of the accident or did not have any insurance in Oklahoma City, OK? If so, you might be worried that you will have to pay for your medical bills and other costs out of your own pocket.
However, with the help of a skilled Oklahoma City uninsured motorist claims lawyer, like those at McGuire Law Firm, you may be able to recover the compensation you need to stay afloat.
How McGuire Law Firm Can Help with Your Uninsured Motorist Claim
At McGuire Law Firm, we have a long and proud history of fighting for the residents of Oklahoma City in their hours of need.
Over the years, our team of knowledgeable litigators has filed countless car accident claims on behalf of our clients – securing many favorable results along the way.
When you hire our Oklahoma CIty personal injury attorneys to assist you in the aftermath of your collision with an uninsured driver, we will:
- Investigate the cause of your crash with an uninsured driver
- Research the best ways to tackle your uninsured motorist claim
- Walk you through your potential legal options
- Analyze your case and accurately calculate your damages
- Provide you with answers to any questions you may have about your claim
- Handle all insurance-related paperwork on your behalf
- Help you understand the complicated insurance claims process
- Give you astute legal advice and guidance throughout your case
- Search for evidence to back up your claim
- Negotiate a settlement with your insurance company
- Represent your best interests in civil court, if necessary
Would you like to have one of our seasoned car accident attorneys assist you with your battle for compensation after your crash with an uninsured driver? If so, please pick up the phone and get in touch with us today to set up a free consultation at our Oklahoma City law office. We know how to achieve favorable outcomes to cases like yours, and we are more than ready to stand up for you.
Uninsured Motorists in Oklahoma – Understanding the Problem
In the state of Oklahoma, when a driver crashes into another vehicle and causes any bodily injury or property damage, they must pay for the costs of the victim. Because of this law, the Sooner State requires all motorists to buy and carry a liability insurance policy with these minimum limits:
- $25,000 of property damage coverage per accident
- $25,000 of bodily injury coverage per person
- $50,000 of bodily injury coverage per accident
When an accident occurs, drivers can then use their auto insurance policy to meet their financial obligations toward the other party without needing to dip into their own bank account.
Unfortunately, despite the fact that it is a violation of state law, about 10.5 percent of motorists in Oklahoma do not carry a valid car insurance policy, per the Insurance Research Council and Insurance Information Institute.
When a law-abiding motorist gets into accidents with an uninsured driver, they often have a great deal of trouble recovering the compensation they require to pay for their repair bills and medical costs. In many cases, they may not receive any money whatsoever from the negligent driver.
Because of this problem, victims of collisions with uninsured drivers often end up paying for a sizable portion of their accident-related expenses out of their own pockets.
At McGuire Law Firm, in Oklahoma City, we do not want you and your family to have to deal with a nightmare scenario of this nature. So, if you recently got into an accident with an uninsured motorist, please give us a call. Our attorneys have years of experience in the legal field – and would be pleased to help you battle for the compensation you deserve.
What is Uninsured Motorist Coverage?
Under Oklahoma law, when an insurance company sells an auto insurance policy, it must also offer the driver uninsured motorist (UM) coverage. The driver must then explicitly accept or reject the proposal.
So, what is uninsured motorist coverage? It is insurance that protects the policyholder’s financial interests in the event of a collision with a motorist that does not have a valid insurance policy or chooses to leave the scene of the accident.
Instead of having to track down the liable party to recover compensation for their injuries, drivers with uninsured motorist coverage can file a claim with their own insurance company. This type of coverage can potentially save Oklahoma City drivers a great deal of time, money, and heartache.
Would you like more information about uninsured motorist coverage in the state of Oklahoma? If so, please contact McGuire Law Firm today. We have been working in the legal industry for a long time and would be more than happy to provide you with the details you need.
Understanding the Process of Filing an Uninsured Motorist Claim
The process of filing an uninsured motorist claim in the state of Oklahoma should follow these steps:
- Filing a Claim: The victim lets their insurer know that they got hit by an uninsured driver.
- Providing Evidence: The victim sends their insurer evidence to back up their claim.
- Insurer Review: The insurance company reviews the victim’s claim and renders a decision.
- Compensation: The insurance company sends its policyholder the funds they deserve.
Unfortunately, the system does not always work as intended. Insurance companies regularly decide to deny and delay valid claims in an effort to boost their profits.
Because of the frequent bad faith actions of insurers in Oklahoma, people who wish to pursue the compensation they deserve by filing an uninsured motorist claim should always have an experienced lawyer represent them throughout the process. Their attorney will protect their rights and ensure that their insurance company does not try to cheat them.
At McGuire Law Firm, we have spent many years helping the people of Oklahoma City with their uninsured motorist claims. We know how to deal with unscrupulous insurance companies who do not want to compensate their policyholders. If you would like to have us stand up for you, all you need to do is pick up the phone and give us a call.
Damages Available in Oklahoma City Uninsured Motorist Cases
The amount of compensation that injured Oklahomans are likely to receive when they file an uninsured motorist claim depends on many factors, like:
- The severity of the victim’s injuries
- The amount of time the victim will miss from work
- The impact the victim’s injuries will have on their ability to continue their career
- The cost to repair or replace the victim’s property
- The limits on the victim’s uninsured motorist coverage
Victims who suffer injuries that leave them with long-term disabilities and prevent them from returning to their jobs tend to receive the most sizable payouts.
When the skilled litigators at McGuire Law Firm assist Oklahoma City residents with their uninsured motorist claims, we pursue compensation for their:
- Initial medical bills
- Ongoing healthcare costs
- Lost wages
- Loss of future earning capacity
- Property damage
- Pain and suffering
- Loss of enjoyment of life
Would you like to have our experienced personal injury attorneys analyze your auto accident case and provide you with an estimate of its worth? If so, please give us a call and set up a free initial consultation at our offices in Oklahoma City as soon as possible. We have been practicing law in the Sooner State for years, so you can feel confident that our assessment is accurate.
Deadline for Filing Uninsured Motorist Claims in Oklahoma
In Oklahoma, the standard statute of limitations for legal action regarding “any contract, agreement, or promise in writing” is five years. As a consequence, Oklahoma City residents who wish to file an uninsured or underinsured motorist claim must generally do so before the fifth anniversary of their auto accident.
Of course, there are many factors that may shorten or lengthen the time injured parties have to file claims of this nature. As such, it is always wise for Oklahomans to take legal action as quickly as possible following their accident.
Individuals who miss their filing deadline typically lose their right to claim compensation and have to pay their bills out of their own pockets.
If you need help filing your uninsured motorist claim before your statutory window slams shut, please do not hesitate to reach out to the team at McGuire Law Firm. Our attorneys have handled a plethora of cases of this nature in the past – so we know which documents we need to file to make sure that your claim can move forward.
Your Law Firm for Oklahoma City Uninsured Motorist Claims
When the people of Oklahoma City need an attorney to help them file an uninsured motorist claim, they know they can always rely on McGuire Law Firm. Our legal professionals have the industry experience and skills to take on even the most complex car accident cases. To set up an initial consultation with a member of our team, all you have to do is contact us online.