Skilled Uninsured and Underinsured Motorist Lawyer in Oklahoma City

Protecting you after a hit-and-run or an uninsured motorist crash in Oklahoma

Being involved in an auto accident caused by someone else’s negligence is always highly stressful, from the accident itself to dealing with the resulting medical bills, missed time at work, physical recovery and emotional distress. But being in an accident caused by an uninsured, underinsured or hit and run driver can be overwhelming.

At Cunningham & Mears, our Oklahoma City uninsured motorist accident attorneys help car accident victims recover compensation from their own insurers, as well as the insurers of negligent parties. If the negligent driver does not have insurance, does not have enough insurance to cover all your damages, or fled from the scene of the accident, we help you deal directly with your own insurer to collect on your uninsured motorist policy and collision coverage.

How does Oklahoma uninsured and underinsured motorist coverage work?

Oklahoma law requires drivers to carry minimum liability coverage of 25/50/25, meaning $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 in property damage. Uninsured (UM) and underinsured motorist (UIM) coverage are additional coverage options that are not required by law, but your insurer must offer them to you for purchase.

Uninsured motorist coverage in Oklahoma pays you, members of your family and passengers of your car for personal injuries from an accident that was caused by an uninsured motorist, an underinsured motorist, or a hit and run driver. However, UM does not cover damage to your car, which is covered by separate collision coverage.

If you are injured and sustain property damage in a car wreck that was caused by an uninsured motorist – or maybe they have car insurance, but their policy limits are not sufficient to cover all your damages – you will have to file a claim against the underinsured/uninsured motorist provisions of your car insurance policy. This sounds far easier than it often turns out to be. It can be complicated to get your insurance company to pay an UM/UIM claim. Insurance companies often deny legitimate claims to avoid paying you.

This is why you will benefit from the services of a skilled Oklahoma underinsured motorist accident lawyer who is thoroughly familiar with the tactics that insurance companies use to avoid paying claims. We can help make sure that you recover the compensation you deserve.

What are the penalties for letting my policy lapse or going without insurance?

Drivers who do not maintain their car insurance policies can face the suspension of their driver’s license and vehicle registration. They can face fines of up to $350, 30 days in jail, or both.

What car insurance companies are in Oklahoma City?

A lot of people wonder about purchasing more insurance for themselves after a collision with an uninsured/underinsured motorist. The following are just a few of the major car insurance companies that serve the greater Oklahoma City area:

• Geico
• USAA
• Oklahoma Famers Union
• State Farm
• Shelter
• Safe Auto
• Allstate Mercury
• Met Life

How can your car insurance attorneys help me secure compensation?

Insurance companies are businesses that focus on protecting their bottom line, and often try to minimize the payments they make on claims. Our lawyers understand how insurance companies work and so we prepare each case as if we are taking it to trial. By taking this type of aggressive stance, we can help many clients obtain a full and fair settlement up to their policy limits. Our Oklahoma underinsured motorist accident lawyers also help protect you from bad faith actions by insurance adjusters, including unreasonable delay, policy cancellation or increased premiums after an accident that was not your fault.

If you are facing a dispute with your insurance company regarding a UM/UIM coverage claim, the highly competent lawyers at Cunningham & Mears will review your policy and confirm whether you have the appropriate coverage for the claim. If it becomes necessary to file a lawsuit against your insurance company, we will be with you as we fight to protect your right to recover fair compensation for your injuries and losses when your injuries were because of someone else’s negligence.

Find the help you need from an uninsured and underinsured motorist attorney in Oklahoma City

Each injury attorney at Cunningham & Mears is dedicated to helping the injured throughout Oklahoma recover the full compensation they need and are entitled to under their insurance policies. To schedule a free consultation at our offices, please call our Oklahoma City office at (405) 232-1212 or fill out our contact form.