Tulsa Uninsured/Underinsured Motorist Accident Lawyer

Uninsured/Underinsured Motorist Accident Attorney in Tulsa, OK

Facing underinsured motorist accident injuries can be uniquely stressful because accident victims may be unsure how they are going to pay for the medical care they need. The good news is that a Tulsa uninsured/underinsured motorist accident lawyer can help you explore your options for getting compensated for the harm you have suffered.

Work With Fulmer Sill

Here at Fulmer Sill, we believe in providing compassionate and comprehensive legal services. We can evaluate your case to determine what the most effective method is for getting you compensated for any harm you sustained in a crash with an uninsured or underinsured driver, making it easier for you to focus on healing from your injuries.

Reasons to Hire an Uninsured/Underinsured Motorist Accident Lawyer

Around 26% of the vehicles traveling on Oklahoma roads, like Interstate 44 and the Creek Turnpike in Tulsa, are uninsured. Given that there are thousands of crashes each year in the Sooner State, that leaves many accident victims without easy access to the funds they need to pay medical bills and recover from their injuries.

If you’ve been injured in an accident with a driver who doesn’t have adequate insurance coverage to pay for your damages, you need to hire an uninsured/underinsured motorist accident lawyer to help you determine your next move. Your lawyer can help you make sure your own insurance company offers a fair payout if you have uninsured motorist protection. If you don’t, they can help you file a civil claim against the liable driver directly in court.

Having a lawyer on your side is the top way to make sure you can get access to the money you need to recover from your injuries successfully. Letting your lawyer take care of the details of your case also gives you more time to focus on healing.

How Uninsured Motorist Coverage Works in Tulsa, OK

Uninsured motorist coverage is an add-on protection that drivers are not required by law to have in Oklahoma. If you have UIM coverage, it won’t exceed the amount of your standard liability coverage, and it’s important to note that this type of insurance only covers injuries sustained in accidents with uninsured motorists, not any property damage you’ve incurred. That requires a separate add-on policy for uninsured motorist property damage coverage.

Underinsured motorist coverage works similarly to uninsured motorist coverage, except it applies to different drivers. Underinsured motorist coverage kicks in when a driver causes an accident, and they don’t have sufficient insurance policies in place to pay for all of your damages stemming from the accident.

Statutes of Limitations for Uninsured Motorist Claims in Tulsa

You have five years to file an uninsured motorist claim in Oklahoma under 12 O.S. 1981 95(1). This is longer than the typical two-year statute of limitations for car accident claims because of an Oklahoma Supreme Court precedent set in 1983.

You shouldn’t put off filing your claim just because of the longer statute of limitations. You should contact a Tulsa uninsured/underinsured motorist accident attorney right away while the details of your case remain clear in your mind.

Civil Claims Against Uninsured Drivers

If you don’t have uninsured/underinsured motorist coverage, you may be able to file a claim against the driver directly in civil court. However, while your lawyer can help you file the claim and take the matter to trial, there is no guarantee that you’ll be able to actually collect any portion of the judgment.

FAQs About Tulsa, OK Uninsured/Underinsured Motorist Accident Laws

Can I File a Claim Against an Uninsured Motorist in Tulsa?

You can file a claim against an uninsured motorist in Tulsa through your own uninsured motorist coverage. If you don’t have this coverage, you may be able to file a civil claim against the driver personally, but collecting damages can be difficult. If you don’t have insurance, either, you should know that your right to claim damages is restricted since the Sooner State has a “No Pay, No Play” rule in place.

What Happens if an Uninsured Driver Hits You in Oklahoma?

If an uninsured driver hits you in Oklahoma, your uninsured motorist policy should cover any damages that occur, including medical bills and property damage. However, this type of coverage is not mandatory. You need to have the optional uninsured motorist insurance to take advantage of it. If you don’t have UM insurance, you may be able to file a claim against the driver in civil court.

How Long Does It Take to Settle an Uninsured Motorist Claim in Oklahoma?

How long it takes to settle an uninsured motorist claim in Oklahoma depends on the specifics of the claim. In some cases, uninsured motorists flee the scenes of their accidents, which can delay the filing of a claim with your own insurance company. In others, your own insurance company may try to deny you access to the compensation you’re entitled to under your policy, and a lawyer may need to negotiate a settlement on your behalf.

How Much Can I Get From an Underinsured Motorist Claim in Tulsa?

How much you can get from an underinsured motorist claim in Tulsa depends on the specifics of your accident and what your policy limits are. If you have uninsured motorist coverage, you’ll be able to file a claim against your own insurance. However, it is subject to your policy limits. The amount of damages you can claim can also depend on factors such as the severity of your injuries and the extent of your property damage.

Contact A Tulsa Uninsured/Underinsured Motorist Accident Lawyer

If you’ve been hit by a driver who doesn’t carry adequate insurance, all hope for recovering compensation is not lost. You can file a claim against your own insurance policy or attempt to recover damages via a claim directly against the liable driver in civil court. A Tulsa uninsured/underinsured motorist accident lawyer can help.

You can trust the team here at Fulmer Sill to advocate for your rights as an injured motorist. We have been in practice for years, and in that time, we’ve developed a reputation for empowering accident victims to take control back over their lives and seek just compensation for their injuries. We can assist you with every aspect of your uninsured or underinsured motorist accident claim. Contact us to schedule an initial consultation regarding your case today.