Oklahoma Car Accident Injury Law Library TOPIC: What If the Person that Caused My Car Accident Has No Auto Insurance

It is a frustrating situation when you find yourself in the aftermath of a car accident that wasn’t your fault, only to find that the person who hit you does not have insurance. If you have full coverage like all Oklahoma City drivers should have, your insurance company should pay for your uninsured motorist claim. However, not all insurance companies are willing to offer assistance, and if your insurance company is unwilling to help, no matter what the terms of your policy, you should contact an Oklahoma City car accident attorney to learn more about your legal options.

Your Own Insurance Company Can Help

Whether your policy includes underinsured/uninsured motorists coverage or not, you should be able to collect some amount of compensation for the accident, since it was not your fault. Your insurance company should pay to have your vehicle repaired even if it means filing your own claim. An injury attorney in Oklahoma City can help you file a claim and recover the damages you deserve.

There are often overlapping insurance policies that may be able to help. You may be able to recover damages for your injuries if you were occupying a vehicle that had uninsured motorists coverage. If you were a passenger, your own insurance policy may cover your injuries, even if the driver does not have the proper insurance. Be sure to check with your insurance representative about the language of your insurance policy. Keep in mind that an uninsured motorist claim must be filed within two years of the accident for you to claim damages.

If you have been injured by an uninsured driver in Oklahoma City, please contact Self & Associates for a free initial consultation.