Oklahoma Car Accident Laws: What You Need to Know Before Filing a Claim
Being involved in a car accident can be overwhelming, and understanding Oklahoma car accident laws is crucial when filing a claim. Whether you're dealing with injuries, vehicle damage, or insurance disputes, knowing your rights can help you take the right steps.
Here’s what you need to know before moving forward with your claim.
1. Oklahoma Is an At-Fault State
Oklahoma follows an at-fault system, meaning the driver responsible for the accident is also responsible for covering damages. If another driver caused the crash, you have the right to file a claim against their insurance for compensation.
2. Understanding Comparative Negligence
Oklahoma uses a modified comparative negligence rule, which means you can still recover damages even if you were partially at fault—as long as you were less than 51% responsible. However, your compensation will be reduced by your percentage of fault. For example, if you were found 20% at fault, your settlement would be reduced by 20%.
3. Statute of Limitations for Filing a Claim
If you plan to file a personal injury lawsuit, Oklahoma law gives you two years from the date of the accident to take legal action. Missing this deadline can result in losing your right to seek compensation, so it's important to act quickly.
4. Insurance Requirements in Oklahoma
Oklahoma law requires drivers to carry minimum liability insurance coverage, which includes:
$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for property damage
If the at-fault driver is uninsured, you may need to file a claim through your own uninsured/underinsured motorist coverage, if available.
5. Steps to Take After an Accident
To protect your rights and strengthen your claim, follow these steps after an accident:
Call 911 and report the accident.
Seek medical attention even if you feel fine.
Gather evidence, including photos, witness statements, and insurance details.
Contact an auto accident lawyer in Oklahoma to guide you through the claims process.
6. When to Contact an Attorney
Insurance companies may try to minimize payouts, so having a lawyer on your side can make a significant difference. If you’ve suffered serious injuries or face challenges with your claim, an experienced auto accident lawyer in Oklahoma can help you maximize your compensation.
Protect Your Rights After an Accident
Understanding Oklahoma car accident laws can help you make informed decisions when filing a claim. If you need legal assistance, The West Law Firm offers experienced representation to ensure you get the compensation you deserve.