What If the At-Fault Driver Insurance Company Denied My Car Insurance Claim

Reader’s Question:

We called the police after being in an accident which I didn’t cause and the officer declared that the damage to my car was only small. The other driver and I decided that we can settle it ourselves only to find out that it will cost me thousands to repair my car. What’s worse is that the other driver’s insurer here in Oklahoma denied my claim because they said that the accident wasn’t their client’s fault. How can I battle the other driver who lied about what happened during the accident?

Callum

Norman, OK

Too bad that you took the officer’s word that the damage to your car after of the accident was small so he just shoo away from the scene leaving you a feeling of relief that nothing more terrible has happened. And now, you just found out that you need a lot more than what the officer’s estimates of the damage to your car. You probably did not consider getting eyewitnesses and you are sure that the other driver committed a traffic violation that why the accident took place. At this time, it’s your word against the other driver and for sure his insurer will stand behind him. You may also have difficulty changing the insurance provider’s position if you don’t have any proof to defend your account of what happened.

You could demand the other driver’s insurer in Oklahoma to show you how the accident could have taken place as their client said so. Otherwise, in case it is a small enough claim and you have a spare time, you could take the other party to small claims court. Beyond that, the greatest chance you have is to get an attorney. Car insurance providers are aware that if you are determined and got a lawyer, they could still deny your claim, or they may tell you that they would get back at you. And as long as this goes on, the longer the insurance company hold onto their money and the higher chance you’re going to have a negotiation.

Cancelling Auto insurance After DUI Oklahoma

Reader’s Question:

How do I officially cancel my auto insurance after my DUI charge here in Oklahoma? Will the policy be terminated at the end of the coverage period? I’m afraid that all my money would just go to my auto insurance after they have substantially increased my premium.

Hector

Midwest City, OK

If you’d like to cancel your auto insurance coverage because of an increase on your premium rates after your DUI charge in Midwest City, Oklahoma, you have to notify your auto insurance company by writing to them indicating the date of the termination. Most auto insurance policyholders assume that if they would like to terminate the policy at the end of the coverage period, all they have to do is ignore the bill. But that is not the case because insurance companies do not see it that way. The insurer would still send you a bill for the next premium payment, and if you don’t pay it, the auto insurance company would cancel you for non-payment, which goes on your credit record.

You have to call your auto insurance company or your insurance agent to let them know that you are cancelling your policy. You have to make that you give them a specific date and after that, the auto insurance company would send you a cancellation request. But before doing all that, make sure that you have purchased auto insurance policy from another company so go on and check the free quotes available from this website.

Do I Need Oklahoma DUI Lawyer

Reader’s Question:

My sister was caught drunk driving. She failed all the tests that the police officer asked her to do. She has been charged with DUI here in Oklahoma. There was no accident involved when she was arrested. Should we hire a lawyer and can the charges against her be dropped if there was no accident caused by DUI?

Karen

Edmond, OK

DUI or driving under influence of alcohol or drugs is a criminal offense and therefore, punishable in the court of law. The punishment depends upon the gravity of the offense and the condition of the accused at that time.

DUI may seem like a small offense when there was no harm caused to any third party, but it is actually not. In your sister’s case, even if there was no case of injury or harm to anyone, a court of law can decide to punish the offender, depending upon the blood alcohol count, as well as her condition and behavior at the time of the arrest.

In such situation, your sister will need the assistance of an Oklahoma DUI lawyer. She should never make the mistake of skipping hiring a lawyer in the hope of saving some money. It is also equally important that she does not compromise on the quality of the lawyer that she chooses to represent her. If she did that, she might end up spending more money in the long run. She has to choose a lawyer who is knowledgeable, experienced and approachable.

Oklahoma DUI Auto insurance Rate

Reader’s Question:

My wife has been charged with DUI here in Oklahoma and part of my concern is, of course, her auto insurance rates. Does that mean that it will go up once she gets convicted? What are the best options that we have now?

Clark

Norman, OK

I have to be honest with you that if your wife will be convicted for her DUI charge in Oklahoma, her insurance company will not give her a big refund. We have to face the fact that insurance companies are private companies and they are here to make money. Reality is they don’t care about you. Insurance companies are there to take your money for years but when you try to make a claim, they will try to avoid paying you.

Unless they decide to cancel you altogether, expect that your insurance company will raise their rates substantially if your wife receives a DUI conviction. It might also be more difficult to obtain automobile insurance after a DUI conviction.

This may sound somewhat odd, but if you can get along without an automobile, then do so. After all, you would save a lot of money. But if you think that this option will not work for you, shopping around would definitely help you in getting the lowest rates possible that you can get. You can start by searching different insurance companies through the internet. They are a lot of advertised insurance companies that offer free no-obligation consultation and price quote.

DUI Attorney Fee Agreement

What is a fee agreement?

A fee agreement is a paper which you are given in yor first consultation with an Enid OK DUI attorney which has the information you need about the fees for the services your attorney will provide, as well as what those services will be, and also what part you are expected to play.

What form does a fee agreement come in?

You should always get a fee agreement printed out on paper. Never accept a verbal agreement, because those can easily be broken. Nor should you accept a fee agreement in pen or pencil.

What should I ask about my fee agreement?

• What charges will I be subject to?
• How will you bill me?
• What are the highest and lowest prices I will possibly pay?
• How can I save money for this?

When Should You Hire An Oklahoma DWI attorney

An Oklahoma DWI attorney will dig into your pocket, and while it is usually the best idea to hire on an attorney, sometimes not having money keeps you from doing that (naturally). If you have a surplus of funds, why not hire an attorney? If you lack them, do try your best, try more than your best in certain situations, but other times, in the end, you just have to go with the flow.

• Sprint to the Oklahoma DWI attorney if..

Your accident was very serious and you were drunk when you got into it. Multiple charges breeds higher punishments–so if this is your third DUI, you better get a lawyer. Job related woes–are you a taxi driver? Bus driver? Delivery person? If you need a license, you need a lawyer.

• Jog to the Oklahoma DWI attorney if…

Second DUI. Minor involved. Double the blood alcohol content limit.

• Stroll to the Oklahoma DWI attorney if…

Criminal conviction will cause job loss. Cannot get certificate or degree if DUI not wiped from record. Don’t think you understand DUI law.