You may be struggling with medical bills after a car accident and not know what to do. If you suffered injuries in a car accident in Oklahoma caused by another driver’s negligence, you may have the right to seek compensation for treatment and rehabilitation through a medical claim. Knowing what to expect when pursuing a car accident medical claim can make the process smoother and less stressful.
Handling an Insurance Claim for Car Accident Injuries
In an at-fault state like Oklahoma, injured parties typically file third-party insurance claims against an at-fault driver’s liability insurance policy. State law makes at-fault drivers responsible for compensating injured parties’ medical claims after a car crash. An injured accident victim can file their medical claim with the at-fault driver’s insurance company.
The insurance company investigates the accident to determine if its insured driver bears liability for causing the crash. If the insurer accepts responsibility for the claim, it negotiates a settlement to pay the claim. Alternatively, the insurer may deny the claim, requiring an injured party to pursue their medical expenses in court.
Filing Medical Claims with Auto Insurance – How Cain Law Can Help
In most cases, an injured car accident victim can pursue a medical claim against the at-fault driver’s auto insurance. Oklahoma requires drivers to carry at least $25,000 per person, $50,000 per accident of bodily injury liability insurance coverage. Injured parties may file auto accident medical claims against the at-fault drivers’ policies to recover compensation for their medical expenses.
However, in some cases, an injured car crash victim may need to pursue other kinds of insurance claims for medical expenses, such as:
Underinsured
Many drivers in Oklahoma carry the minimum amount of bodily injury liability coverage required by state law. As a result, a person who suffers serious injuries in a car crash may have a medical claim that exceeds an at-fault driver’s insurance coverage. When the injured party has purchased optional underinsured motorist coverage for their policy, they can turn to their insurance company for compensation for medical expenses.
An attorney at Cain Law can help by reviewing your insurance policy to determine the availability of underinsured motorist coverage and handling the claims process with your insurer to pursue the maximum compensation possible for your medical treatment.
Uninsured
Some drivers choose to drive without liability insurance, despite the mandatory insurance law. When these drivers cause accidents, injured victims may not have insurance to cover their medical expenses unless they’ve purchased uninsured motorist coverage. With uninsured motorist coverage, an injured party’s insurance company steps in for the insurance that the at-fault driver should have had.
Uninsured motorist coverage can also apply in hit-and-run accidents where the injured victim cannot identify the fleeing driver who caused the crash.
A car accident lawyer in Oklahoma from Cain Law can determine whether your policy has uninsured motorist coverage and evaluate whether it may apply. If it does, it can help pay your medical bills and other accident-related losses.
Contact Cain Law’s Oklahoma City Car Accident Lawyers
An experienced attorney can help you understand how to file a medical claim after a car accident. Cain Law is a local Oklahoma law firm. We have extensive experience with Oklahoma law. You should always verify that you are working with a local law firm. Contact us today for a free, no-obligation consultation with our car accident lawyers to learn more about your legal options for seeking compensation for medical treatment after suffering injuries in an Oklahoma car crash.
