Ylla | Gosney Law protects injured victims in Tuttle, Oklahoma, from denied claims, lowball settlement offers, and bad faith actors within insurance companies. In many cases, insurance companies in Tuttle will offer quick, lowball settlements to unsuspecting policyholders without allowing them to understand the full value of their damages, or they will outright deny their claim without good reason.
If this sounds like your situation, then Oklahoma Law provides you with the legal right to file a lawsuit against the insurance company to receive fair compensation. At Ylla | Gosney Law, we have the resources to take on insurance companies by filing a bad-faith lawsuit on your behalf and ensuring you receive the financial compensation you need if your claim is denied.
Protect your right to compensation after a car accident in Tuttle by contacting Ylla | Gosney Attorneys at Law today for a no-cost, no-obligation consultation.
What Should You do if Your Insurance Claim is Denied in Tuttle?
If your car accident injury claim is denied by the insurance company, their ruling is never final. Injured victims have a right to fair compensation, which can either be negotiated directly with the insurance company or proven in a court of law. Many denials are challenged and turned into successful settlements, especially if the denial is based on incomplete information or is unreasonable in any way. Here is a step-by-step guide on what to do next after your claim is denied:
- Review the Denial Letter: Insurance companies are required to provide a written explanation, citing specific policy terms and reasons. Understanding why your claim was denied will be essential to proving why you have a valid claim.
- Request a Detailed Explanation: Insurance companies will attempt to be vague with their reasoning, but Oklahoma Law requires insurers provide clear reasons as to why claims are denied. So, you’re entitled to a detailed explanation.
- Gather Evidence: The attorneys at Ylla | Gosney will gladly help you with this step because it can be an arduous process, but strong evidence is needed to counter a denial. Typical evidence includes:
- Police reports
- Medical records
- Medical bills
- Photos of the scene, vehicles, injuries
- Witness statements
- Your insurance policy details
- Contact Ylla | Gosney: If you want to put the insurance company on notice and let them know you are aware of your rights and are prepared to exercise them, then contact us today. Our law firm will handle negotiations with the insurance company and file a lawsuit against them if they’re acting in bad faith against you.
Bad Faith Claim Denials in Car Accident Injury Lawsuits
Bad faith in a car accident injury lawsuit usually occurs when there’s a “failure to indemnify.” Indemnification is defined as obligating one party, the insurer, to compensate the other party for specific liabilities and losses. If the insurance fails to fulfill this duty, then it constitutes bad faith. So, in the case of a Car Accident Injury Lawsuit, a defendant’s insurance company could be acting in bad faith by refusing to settle with the injured plaintiff. In certain circumstances, this can put the policyholder’s personal wealth and assets in jeopardy if the case heads to trial.
For example, if the jury rules in the plaintiff’s favor, awarding them $4 million, and the defense’s insurance policy is $1 million dollars, the remaining $3 million will come from the defendant’s personal assets. So, this could potentially be considered bad faith if the insurance refused to settle, resulting in the policyholder having to pay millions of dollars out of their own pocket.
Signs an Insurance Company is Giving You a Lowball Offer
Dealing with an insurance company is stressful enough, but when they present you with lowball offers that barely cover the cost of your medical bills, missed time at work, and vehicle repairs, your stressful situation can begin to have real-life consequences. Insurance adjusters will normally offer lowball settlements because their job is not to help you get your life back on track, it’s to save their company money.
However, at Ylla | Gosney, our job is to get your life back on track and protect you from lowball settlement offers and bad faith behavior from insurance companies. If you’re wondering if you’ve received a lowball offer from your insurance company in Tuttle, then you can contact us today to speak to one of our attorneys. Below are signs you may be receiving a lowball settlement offer:
- A settlement comes into too quickly, before you’ve even calculated your damages or had a chance to gather evidence of your damages.
- The reason for the settlement amount is vague and fails to present a clear breakdown of how the amount was calculated.
- The settlement only covers immediate costs, ignoring future medical treatment and potential damage to you and your loved ones’ lives.
- The insurance adjuster is pressuring you to settle, using words like “this is the best offer you’re going to get,” or “this is your only chance to settle this claim.”
- The insurance company downplays your injuries or assigns fault to you, attempting to justify their low settlement offer.
How Ylla Gosney Helps Car Accident Victims in Oklahoma City
Whether you’re cruising along the famous Route 66 or navigating a busy intersection for a night out, drivers in Tuttle are always at risk of a car accident if another driver is not driving responsibly. And when an accident does unfortunately happen, the end result is typically horrific. Even car accident in a parking lot can result in major injuries, requiring extensive medical treatment, which is why we are all required by law to have car insurance.
But what if the car insurance denies your claim after being injured. What if they’re only willing to cover a portion of your treatment, leaving you to cover medical bills out of your own pocket? This, unfortunately, is all to common when dealing with insurance companies, but that’s where Ylla | Gosney can help. Our law firm can manage your claim with the insurance company and ensure you’re compensated for the following damages after being injured in a car accident:
- Economic damages: The financial damages you incurred due to the accident.
- Medical bills
- Lost Wages
- Loss of future potential earnings
- Loss of property
- Cost of property repair or replacement
- Non-economic damages: These are subjective, non-compensatory damages.
- Pain and suffering
- Emotional distress
- Depression
- Anxiety
- Loss of consortium
- Punitive damages: These are damages awarded to serve as punishment to the at-fault party.
- Reckless behavior (DUI, street racing)
- Actions performed out of spite
Oklahoma’s Comparative Negligence Law for Car Accidents
Oklahoma’s Comparative Negligence Law is considered a “50-percent” rules. Basically, the ability to pursue damages under comparative negligence applies when a crash victims is 49 percent or less liable for the accident. This percentage of fault can be decided by a police report, but all accident victims have the right to object to their assumption of fault, and ultimately have their fault decided by a judge and jury in court.
So, let’s say a motorcyclist caused your car accident because they were lane splitting. Lane splitting is illegal in the state of Oklahoma and they would most likely be more than 50 percent at fault for the accident because they violated the law. Insurance companies will often use the Comparative Negligence Law to deny compensation, stating you were partially at fault. But even if you’re partially responsible, you’re still entitled to compensation.
If liability is in question in your case, and you fear you may be liable for the accident, contact Ylla Gosney today to discuss your case. Our firm will help you take the necessary steps to protect you from liability or eliminate it entirely, so you can recover the financial relief you’re entitled to.
Contact Ylla Gosney, Attorneys at Law
If you or your loved one has been injured in a car accident in Tuttle, Ylla Gosney Attorneys at Law can help. While insurance companies will typically reduce your compensation or outright deny your claim, our firm stands up on behalf of injured car accident victims and protects their right to fair compensation.
Taking the first step toward legal action against a major insurance company can seem intimidating, but with us, you’re never alone in this fight. Contact Ylla Goseny today for a free consultation and see what legal options are available for your situation.