What if the Driver I Want to Sue is Uninsured?griffinreynoldswriter
You experienced a car accident and came out with several personal injuries that ended up costing you thousands of dollars in medical bills and lost wages. After collecting evidence from the accident, you decide to file a personal injury claim because from what you recall, the accident was the other driver’s fault. Then, you find out the other driver is uninsured. What do you do next? The first thing you can do is check with the insurance company and the second thing you can do is call an Oklahoma personal injury lawyer who can help you with a lawsuit.
Uninsured Motorist Coverage
Checking with your insurance company can save you a lot of extra time devoted to filing a lawsuit because you may unknowingly have uninsured motorist coverage. This type of coverage is designed to protect you financially in the event that you experience a car accident in which the other driver has no insurance. Another name for this coverage is uninsured motorist bodily injury insurance.
Passengers are also covered by this type of insurance. However, there are limits placed on this coverage to prevent overcompensation. Split limits mean the coverage may change based on whether there is one person or multiple people injured from the accident. Combined single limits are another option that will have to be purchased separately. This would cover the expenses for all bodily injuries.
Filing a Lawsuit Against the Insurance Company
Many people may reach a point where the insurance company offers compensation, but this financial restitution is not enough to cover other financial losses like lost wages, psychological damages, and vehicle repair costs. If you have reached this point or if the insurance company you have been working with has denied your claims for no legitimate reasons, then a lawyer may be able to help you. This means you may end up filing a lawsuit against the insurance company.
Before you go to this level, check again with your claims adjuster to see if the compensation offered can be updated in any way. If you still experience trouble, try consulting with a lawyer about this. When hired, a lawyer will first attempt negotiations with the insurance company and their team of lawyers. Lawsuits happen when negotiations fail and the insurance company is taken to court.
Your lawyer will help you organize and collect additional evidence for the trial. During trial, a deposition will be given to explain how you were wronged by the insurance company and why you need additional compensation. Both sides will investigate the case and a settlement will eventually be reached.
Car Accident Attorney in Oklahoma City
Most people are not fully prepared for the aftermath of a car accident because these types of accidents are unpredictable. Filing lawsuits can only add to the stress and confusion with all the paperwork and legal fees. Contact the Law Firm of Griffin Reynolds at (405) 721-9500 today to speak with an Oklahoma car accident lawyer. We provide clients free consultation for car accidents and nursing home abuse.