A person who carelessly causes car accidents may be required to pay any damages
caused by that carelessness, either to other persons or to their property. Generally, people who operate automobiles
must exercise "reasonable care under the circumstances." Failure to use reasonable care, causing car
accidents is the basis in most lawsuits for damages caused by an automobile accident.
Liability of the Negligent Party.
Injured persons are entitled by law to make a claim for compensation for pain and suffering, permanent injuries,
economic losses, and property damage against the negligent party.
Uninsured Motorist Insurance regarding car accidents.
If you are injured by an uninsured motorist in car accidents, your own insurance policy may provide compensation
for your damages. If the negligent party has either no insurance, or insufficient insurance to cover your claim,
you may be entitled to make a claim on your uninsured motorist policy. Additionally, all members of a household
may be covered by an uninsured motorist policy of a relation who resides in the household. Uninsured car policies
may be "stackable" if they have accidents. They also follow the policyholder and members of the policyholder's
household, so that if you were in an accident in another car that had no uninsured motorist coverage, you still
may be able to benefit from the policy. In these situations, an injured person may be able to make a claim under
the uninsured motorists portion of their own insurance policy for additional compensation for pain and suffering,
permanent injuries, and economic losses caused by the uninsured motorist.
Medical Payment Benefits.
Under Oklahoma, a person may purchase medical payment benefits on their automobile insurance policy. These benefits
will pay up to the coverage limit for medical expenses incurred as a result of an accident. Please contact your
insurance agent and request medical payment benefits.
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Updated 01/04/10
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