Life can change drastically after a motor vehicle accident. Indeed, many car accidents lead to loss of life. The US Federal Law puts a timeframe within which you can file a lawsuit after an offender harms you. In Oklahoma, the statute of limitation gives you two years to file a complaint after a car crash. The deadline applies to both personal injury and damage to the car. However, the restriction does not hold for the filing of an insurance claim. The statute also does not apply when the accident involves government vehicles. The time limit in such a case is very short. If a government auto hits your car, you will need to file a claim to the relevant government agency immediately. Otherwise, you will lose your compensation rights.
The law requires insurance brokers to offer an Uninsured Motorist Cover with every policy. The package comes in handy after motor vehicle accidents involving uninsured or hit and run vehicles. It compensates the occupants of the automobile but does not cover the damages to the car. Oklahoma law observes comparative fault rules when litigating for road accidents. Comparative fault is a situation where more than one parties are responsible for causing the car crash. In such a case, you can recover against the other party if he or she is more at fault than yourself. The compensation reduces proportionately to the amount of your liability.
Most fatal accidents occur due to irresponsible behavior by the drivers. Authorities can assist in determining the cause of a collision. The primary causes of road accidents are:
- DUI and DWI drivers
- Drivers who are unqualified or inexperienced
- Drivers texting or talking on cellphones while driving
- Driving recklessly
- Ignoring other road users
You may want to seek advice from an experienced attorney who understands the insurer's mindset and uses the law to counter the company's advances.