What You Should Know About Car Insurance in Oklahoma

What You Should Know About Car Insurance in Oklahoma

Knowing certain things about car insurance in Oklahoma may be able to help you prepare for the expensive aftermath of an unexpected car accident. Being aware of the basic car insurance requirements in Oklahoma can also help you avoid being scammed by insurance fraud or bad faith insurance. There are other types of insurance coverage you can buy that will cover certain damages from a car accident. If you have questions about any of this, be sure to talk to an Oklahoma car accident lawyer for guidance. 

Basics of Oklahoma Car Insurance

First off, Oklahoma requires every driver to have car insurance. Not having car insurance could lead to penalties like jail time, fines, and a driver’s license suspension. If you were injured by another driver who caused the accident and does not have insurance, that driver may be responsible for your injuries because they were required by law to have car insurance. 

In Oklahoma, car insurance companies are expected to offer coverage for injuries, death, and property damage. These coverages are considered liability insurance and an insurance company that does not provide these in your policy may be liable. An insurance company can also be held liable for What You Should Know About Car Insurance in Oklahomabad faith practices like wrongfully delaying or denying your personal injury claim for insufficient reasons. 

You can purchase additional insurance coverage under the names of collision, comprehensive, medical payments, and uninsured motorist coverage. These are not mandatory but may save you a lot of money. Collision insurance covers damages to your car, medical payments insurance covers any injuries to you that were caused by the accident, and uninsured motorist coverage helps in situations where the other driver has no auto insurance. 

Be wary of insurance fraud, which can be used against you when other drivers decide to stage a car accident or feign injuries. Depending on how the accident is staged, you may be expected to pay for false damages.   

Seeking Lawyer Help for Filing a Claim

In the event that you have submitted a personal injury or car accident claim with the insurance company and your claim is denied, you may want to consider hiring a lawyer in Oklahoma. Insurance companies may offer coverage for certain damages in their policy, but this does not always mean they will follow through with this if they do not believe your claim. This is why building a strong empirical claim in your favor is vital.

However, even people who submit plenty of evidence to support their accident claim can be wrongfully denied because the insurance company wants to save money. This is when a lawyer can work with you to fight back and help you earn the compensation you deserve.  

Personal Injury Lawyer in Oklahoma 

Battling with the insurance company and their team of lawyers alone can be risky and stressful work. Try talking with an Oklahoma personal injury lawyer if you suffered injuries from a car accident caused by a negligent driver. Depending on how the accident happened, you may be able to receive compensation for medical expenses, pain and suffering, and lost wages. All you have to do is call the Law Firm of Griffin Reynolds today at (405) 721-9500 for a free consultation.