Sustaining an injury as a passenger in an auto accident is an extremely stressful situation to be in. You were not the one driving the car or the one responsible for following the rules of the road but you ended up being the one injured. So now what? How to do you attempt to recover the damages that you have suffered from what was intended to be a simple car ride? For most passengers, suing the driver seems to be the most obvious route to take but is that really your only course of action? If the driver is a friend of yours this may not be the most pragmatic course of action to take. Here are some tips on what to do if you suffer from a passenger injury after a car accident in the state of Oklahoma and when it would be in your best interest to contact an Oklahoma personal injury attorney.
File an Insurance Claim Against Your Driver
If the driver of the car you were in ends up being the driver that was at fault for the accident then you have every right to file a claim against their current insurance policy if that is what you wish to do. The section of the driver’s insurance policy that handles their liability coverage is what will be used to cover passenger injury to you and any other passenger that may have been involved. This includes losses and damages such as medical costs, lost wages due to missed days at work, and pain and suffering. These claims, however, cannot exceed the policy’s pre-set limits.
Since you are filing a claim against the driver’s insurance and not filing a lawsuit against the driver himself, this is a fairly harmless method of recouping your losses. This is the exact reason why liability coverage exists. All you are doing, in this case, is seeking financial recompensation from the insurance company for injuries you have sustained during a car accident for which you were not responsible. Only if your claim exceeds the pre-set limitations of the driver’s liability insurance would you then need to contact an Oklahoma personal injury attorney.
File an Insurance Claim Against the Other Driver
If the driver of the other vehicle that was involved in the accident is the one found to be at fault, then you could also file a claim against their insurance policy. Your claim would still be held to the pre-set limitations on the other driver’s liability insurance just as it would in the first scenario. Seeking any claim for damages beyond that limit would mean also filing a lawsuit. If you find out that is what you will need to do then you should talk to a personal injury attorney in Oklahoma as soon as possible.
The attorneys here at McGuire Law Firm we have more than 30 years of experience helping people who have been injured in Oklahoma car accidents get the compensation that they deserve. If you or someone that you love has been injured in a traffic accident, you may be entitled to receive financial compensation for things such as medical bills, emergency room visits, lost wages from missed work, as well as pain and suffering. If you would like to receive a free consultation with one of our licensed, reputable personal injury attorneys regarding your car accident case, then please give us a call at (405) 513-5658 and speak with someone in our Oklahoma office today.