How to Prepare for Filing a Third-Party Insurance Claim After a Car Accident in Oklahoma City
After you are injured in a car accident, you are likely to have large medical expenses. However, if you were not responsible for the crash, you may not be responsible for the resulting costs, either. If the accident which injured you was caused by another driver, you may be able to get compensated by making a claim with his or her insurance company. With help from an aggressive car accident lawyer in Oklahoma City, it could be possible to negotiate a settlement. This article offers some tips on preparing for a third-party car accident claim against the at-fault driver’s auto insurance company.
Review Your Injury Claim with Our Norman, Oklahoma Car Accident Lawyers
Once you have reached a safe location and have received medical attention, you should call an experienced attorney right away to go over your claim. Depending on the circumstances of the accident, you may have a right to get compensated. An auto accident attorney in Norman, Edmond, Moore, or the location where your crash occurred may be able to recover car accident compensation for costs and losses related to:
- Lost earnings, including your anticipated losses.
- Medical bills, including your anticipated expenses.
- Pain and suffering caused by your injuries and the resulting complications.
Armed with extensive knowledge of Oklahoma’s complex insurance laws, our attorneys will fight tooth and nail to recover the maximum compensation on your family’s behalf, asserting your rights against bad faith insurance tactics like unreasonable delays, demands, and denials. Call our law offices at (405) 698-3040 to talk about your claim in a free legal consultation.
5 Tips to Get Ready for Filing an Auto Insurance Claim in Oklahoma City
You can increase the strength of your claim by following a few simple steps. In addition to consulting with an experienced injury lawyer as soon as possible, you should also make sure to:
- Get medical help immediately. The at-fault driver’s insurance carrier can use delays in treatment as ammunition to deny your claim, as we discussed in our article on when to see a doctor after a car accident. Seek medical care immediately, even if your pain is mild. It is equally important that you follow your doctor’s orders for any treatment you are prescribed.
- Save all medical documents. Save (and make extra copies of) every medical form, record, and receipt after your accident. Save prescription slips, casts, empty pill bottles, photographs of your injuries, torn clothing, and any other pieces of evidence that could be used help to show the severity of your injuries.
- Stay organized. Use folders and computer files to keep a chronological record of any and all purchases, appointments, transactions, and interactions that are relevant to your claim. Keep track of phone calls or emails with insurers and healthcare professionals, noting the date and time you spoke and the name of the person you spoke to.
- Avoid social media. After you are injured in a car accident, you may be feeling tempted to vent your stress and anger on Facebook, Twitter, or other social media platforms. However, it is critical that you avoid posting any information about the accident online. Insurance companies will look for any evidence they can — including a “harmless” photo or status update — to prove you were actually at fault, or were not injured as severely as you claim to be.
- Avoid volunteering information. After you get into a collision or other type of crash, you must notify your insurance company, even if you were not at fault. Failure to report a car accident to your insurer can result in harsh penalties. If anyone is injured or killed, the police must also be notified after an Oklahoma car accident. Do not speculate, estimate, apologize, or make small talk. Stick strictly to the known facts, and avoid making recorded statements wherever possible. Speak to an attorney right away if you have any questions about dealing with insurance companies or medical providers.
What Happens if the At-Fault Driver’s Insurer Refuses to Settle?
Most car accident claims are settled by negotiating outside of court. However, while less common, there are also cases in which the at-fault driver’s insurer refuses to settle. If this happens, the accident victim should discuss filing a lawsuit with his or her personal injury attorney. (In many situations, settlements are actually reached after a lawsuit is filed, as it’s common for judges to order settlement conferences or mediation sessions before permitting cases to go to trial.)
Unlike a claim, which involves the at-fault driver’s insurer, litigation focuses on the individual driver who caused the accident. The at-fault driver is the defendant, while the injured party is the plaintiff. Attorneys from the defendant’s insurance company are likely to get involved in the case, which means you will need an aggressive and experienced attorney of your own to help compile evidence, guide you through the court process, prepare you for appearances, keep an eye on legal deadlines, and protect your rights throughout the process. Turn to the Edmond car crash lawyers of Hasbrook & Hasbrook for help.
Trust Our Oklahoma City Car Accident Injury Lawyers
At Hasbrook & Hasbrook, our knowledgeable team of Oklahoma personal injury lawyers brings over 75 years of combined experienced to every automotive accident claim we handle. While our law offices are located in Oklahoma City, we are proud to fight for crash survivors in Norman, Edmond, Moore, Guthrie, El Reno, and throughout the Oklahoma City area. Call our law offices at (405) 698-3040 for a free consultation.