Any serious car accident could easily cause a wide variety of complications in a person's life. Even if you and the other driver have proper insurance coverage, you could encounter a multitude of obstacles, especially if you were injured in the collision. Matters become even more stressful if the at-fault driver did not have adequate insurance or any insurance at all.
When this happens, you may think that you have no options for recovering compensation for injuries and other negative outcomes. However, there may be legal avenues for you to obtain financial compensation for medical bills, lost wages and other losses resulting from the accident.
In most cases, insurance companies offer you the option to add uninsured motorist coverage to your insurance policy. With this coverage, your insurance company compensates you for the damages resulting from the collision with the uninsured or underinsured motorist. This type of coverage could also come in handy if the other driver leaves the scene of the crash and you have no way of obtaining compensation from that individual.
If you did opt for this type of coverage, you can file a claim with your insurance company after the accident, in hopes of gaining the needed money.
Even if you think you have the correct coverage, your insurance company could potentially deny your claim. The reasons for the denial would depend on your specific circumstances, but if you believe the rejection did not suit the situation, you should speak with a personal injury attorney as soon as possible.
If you did not have uninsured or underinsured motorist coverage on your insurance policy, you may still have options. You could potentially file a lawsuit against the at-fault driver in order to seek the compensation you deserve. This type of claim would go through civil court to determine whether the other driver owes you compensation and, if so, how much.
Legal support and representation
Because dealing with these kinds of complications can be overwhelming -- especially in the aftermath of an injury -- it is crucial to have strong legal support on your side. At the Dawkins & Gowens Law Firm, we advise and represent accident victims in Oklahoma City and throughout the state. To learn more, please see our personal injury overview.