Being involved in a car accident can be a life-altering experience, leaving you with injuries, financial burdens, and uncertainty about your legal options. Whether you were hit by a distracted driver or involved in a multi-car crash, understanding how Oklahoma law applies to your situation can make a stressful process feel more manageable. One of the biggest questions people have after a car accident is whether Oklahoma follows a fault or no-fault law for car accidents and how that affects their ability to seek compensation.
At Koller Baker & Associates, we help car accident victims in Oklahoma navigate the legal system, protect their rights, and pursue the compensation they deserve. If you or a loved one has been injured in a car accident, we’re here to help you understand your options and fight for the justice you deserve.
Understanding Oklahoma’s Fault-Based System
Oklahoma follows a fault-based system for car accidents. This means that the driver who is responsible for causing the accident is also responsible for covering the damages. Unlike no-fault states, where each driver typically relies on their own insurance to cover their injuries and damages, Oklahoma allows victims to seek compensation directly from the at-fault driver’s insurance.
If you’ve been in an accident in Oklahoma, you generally have three options to recover compensation:
- File a claim with your own insurance company, which may then seek reimbursement from the at-fault driver’s insurance.
- File a third-party claim with the at-fault driver’s insurance company for damages such as medical bills, property damage, and lost wages.
- File a personal injury lawsuit against the at-fault driver if a fair settlement cannot be reached through an insurance claim.
How Fault is Determined in an Oklahoma Car Accident
To successfully file a claim in Oklahoma, you need to prove that the other driver was at fault for the accident. The state follows a comparative negligence rule, which means:
- If you are partially at fault for the accident, your compensation will be reduced by your percentage of fault.
- If you are found to be more than 50% at fault, you may not be able to recover any damages.
For example, if you are found to be 20% at fault for an accident and your total damages amount to $100,000, you would only be able to recover $80,000 from the at-fault driver’s insurance. If you were 51% or more at fault, you would be barred from recovering compensation.
What Damages Can You Recover in an Oklahoma Car Accident?
In a fault-based system like Oklahoma’s, you can seek both economic and non-economic damages from the responsible party. These may include:
- Medical Expenses – Costs for emergency treatment, surgeries, rehabilitation, medications, and future medical care.
- Lost Wages – Compensation for the income you lost due to missing work while recovering.
- Property Damage – Repair or replacement costs for your vehicle and any other personal property damaged in the crash.
- Pain and Suffering – Compensation for the physical pain and emotional distress caused by the accident.
- Wrongful Death Damages – If a loved one was killed in a crash, surviving family members may be entitled to compensation for funeral expenses, lost income, and emotional suffering.
Do I Need a Lawyer for an Oklahoma Car Accident Claim?
Filing a car accident claim can be complicated, especially if the insurance company disputes who was at fault. An experienced attorney can investigate the accident, gather evidence, negotiate with insurance companies, and, if necessary, take your case to court to ensure you receive fair compensation. At Koller Baker & Associates, we have the knowledge and resources to help you through every step of the process.
Contact Koller Baker & Associates Today
If you’ve been injured in a car accident in Oklahoma, you deserve to understand your rights and options. At Koller Baker & Associates, we are dedicated to fighting for justice and helping you secure the compensation you need to move forward. Contact us today for a consultation, and let’s discuss how we can help you hold the responsible party accountable.
