It is extremely common for car accident attorneys in Tulsa, Oklahoma to deal with situations involving insurance when personal injury or property damage or property loss has occurred. When dealing with personal injury or property loss the number one problem for a person involved in the damage-causing incident is to be underinsured. One of the main insurance types that are required in Oklahoma is literally called “underinsured motorist coverage”.
The problem of being underinsured arises whether one is liable, not liable or no one is liable at all for personal injuries or property damages that may have been caused. If a person causes personal injury or property loss or damage and does not have insurance or is underinsured, those that have been injured or had property loss may be out of luck, especially if the person causing the damage does not have assets.
Take it from experienced Tulsa car wreck attorney, Joseph Norwood of Norwood Law Firm, and ensure you have enough insurance coverage to protect yourself and your loved ones by following these tips.
Get Full Coverage Insurance for All Your Vehicles.
It is common for people who’ve been in a car accident in Oklahoma not to be able to quickly get a rental vehicle or buy a new vehicle because they did not elect to buy insurance that would cover them if they are at fault. To avoid this situation purchase full coverage for your auto insurance and be sure to get coverage that would afford you an immediate car rental.
Raise your Auto Insurance Policy Limits
It is common for a person that is liable for negligence such as distracted driving not to have enough insurance to cover the personal injury or property damage they cause. In that case, many times the people who have experienced damage, and their attorneys decide to go after the personal assets of the person that caused the damage. Other times the person that was damaged and injured cannot recover for all their losses. To avoid a situation like this it is advisable to raise the policy limits for your liability and under or uninsured (UM) motorist coverage. In Oklahoma the minimum amount of coverage one is to have on their vehicle is $25,000. It is advisable to at least double or quadruple this amount, may be more.
Get Medical Pay on Your Automobile Insurance Coverage
In addition to full coverage for your liability, you should add medical pay or “MedPay” to your policy. Insurance companies provide this provision to ensure that a person’s own insurance will quickly provide compensation for medical bills that often times start to add up immediately.
Do not Waive Your Vehicle’s Uninsured and Underinsured (UM) Coverage
Oklahoma law requires uninsured/underinsured motorist coverage, known as UM coverage, but it can be waived with your signature. UM auto insurance coverage ensures that if a person negligently hits you in your vehicle and causes you personal injury damages and that person is an uninsured driver or does not have enough insurance coverage to compensate you for personal injuries you suffered, then your insurance coverage will step in and cover those damages over what the liable driver’s insurance policy can cover, if anything. In short, never waive uninsured or underinsured (UM) coverage.
Get Vehicle Rental Provisions in Your Automobile Insurance Policy
It is common for people that are both at fault and victims of auto negligence not to have a vehicle to drive after being in an auto accident because the car is too damaged to drive. Often the insurance company for the person that caused the collision will not move quickly enough to get a rental vehicle to the victim of their insured and the victim will be without a car. This can be prevented if you have rental insurance in your automobile insurance policy and this will not be an issue for you.
Get an umbrella policy.
Umbrella policies are great for times when your liability insurance is insufficient to cover damage caused by you in a car accident, your other covered individuals, or your agents.
Secure a Tulsa Car Accident Lawyer
If you have an injury or have experienced extensive damage to your property in a car accident, it’s important to secure skilled legal representation. Norwood Law Firm has Tulsa car accident lawyers Oklahoma drivers can trust. Our attorneys are dedicated to protecting your rights in a car accident case and fighting for maximum compensation for your damages and injuries.
Contact the experienced attorneys at Norwood Law Firm today for a free consultation and general legal advice on your specific situation.