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The Most Common 'What If?' Questions

What if the person who caused the accident doesn’t have insurance?

Call my office. We will do an investigation into whether the driver or the vehicle who hit you were insured. We can also examine your policies to determine what coverage, if any, is available to you. This coverage may include UM/UIM (Uninsured/Underinsured Motorist), medical payments coverage, and collision coverage. We can then advise you on how best to proceed with your claims.

What if the insurance company doesn’t pay my medical bills?

Call my office. First, the insurance company will NEVER pay your bills directly, although they sometimes make it sound like they will. Any money you receive from the insurance company will come straight to you and will not be paid to a third party (with the possible exception of property damage claims). Medical bills will ultimately always be your responsibility so the sooner you can call an attorney for advice, the less stress you’ll have in dealing with the impending bills, and the more likely you are to get the bills paid.

What happens when an insurance policy does not cover the amount of medical bills an injured person incurs?

Call my office. The Oklahoma state minimum insurance policy amount is $25,000.00. If you are hurt significantly in a car accident it is very possible that your bills and damages will exceed this amount, or an even greater amount. However, you still have options. My office will be able to advise you regarding health insurance coverage and a legal proceeding called an interpleader that is specifically used for these types of situations.

What if I don’t have the money to hire an attorney?

Call my office. Most personal injury attorneys work on a contingency fee basis and this office is no exception. A contingency fee means that our clients never send us payments and don’t pay anything up front. Simply put: we don’t get paid until you get paid.

What if I’ve been injured in an accident previously?

Call my office. Oklahoma abides by the “eggshell skull Plaintiff” rule meaning that an injured person can claim further injury, even if they have been injured before.

What if I don’t want to file a lawsuit?

Call my office. We understand that people don’t always feel comfortable filing lawsuits for various reasons and that’s okay. We can discuss your different options and come up with an approach to appropriately pursue your claim.

What if…

Call my office. We are happy to talk to you about your claim and answer any “what if” questions you may have. A free consultation is just that - we will listen to your situation and present you with your options. There is no pressure to sign up with us, although we always hope to be able to help beyond a consultation.