PROPERTY DAMAGE: After you have received emergency medical treatment, one of your first concerns will probably be how do you get your vehicle repaired. Insurance companies normally will go ahead and settle the property damage part of your claim soon after the accident. The property damage settlement will not affect your personal injury claim unless you sign a full and final release of "ALL" claims in the accident.

If your vehicle is a total loss, the insurance company owes you the "actual cash value" of the car or truck. "Actual cash value" is defined as the price that you would pay down at the corner car lot for a vehicle exactly like yours, the same mileage, same condition, etc. Insurance companies may refer to the NADA book or obtain estimates from car dealers to determine the worth of your car. After paying you for your total loss, the insurance company usually sells the salvage. However, the company is often willing to sell the salvage back to you.

If your vehicle can be repaired, the insurance company owes you the reasonable cost of repairing all damage incurred in the accident. Wrecker and storage fees are usually covered in full.

CAR RENTAL: If your own insurance company is paying the property damage under your collision coverage, you are not entitled to a rental car unless you have opted to pay an additional premium for this coverage. If the negligent party's company is taking care of the property damage, you may be entitled to a rental. If your car is a total loss, the company owes you a rental car only up to the day the decision is made that the vehicle is a total loss. If your vehicle is repairable, then the insurance company will pay around $20 a day for a rental car while your vehicle is in the shop. If your vehicle was used in a commercial enterprise, you may be reimbursed for loss of use and loss of business.

INJURIES: There are several types of damages you can collect for under Oklahoma law in a personal injury case.

Death: The wrongful death statute allows the recovery of medical and funeral expenses and loss of support and love and affection for spouses, children and parents.

Medical Expenses: You are due all reasonable and necessary medical expenses for treatment of injuries suffered in the accident. If you have permanent disability, you may be entitled to future medical expenses.

Loss of Earnings: You are entitled to collect your provable loss of earnings while off work recovering from your injuries. Your future loss of earnings can be collected if your injury is serious and interferes with your ability to earn a living.

Pain and suffering: You will soon find out that it's no picnic to be involved in an auto accident. One of the elements of damage in assessing the value of your case is how much pain and suffering you have undergone while recovering from injuries.

Permanent disability: If you have life changing, serious injuries, you are due compensation for loss of enjoyment of life and permanent health problems.

Hopefully, you have "medical pay" coverage on your own auto insurance policy. "Med pay" pays your bills up to the limits of your policy. Your company does not penalize you for using the med pay since you have paid a specific premium for the company. In most cases you do not have to repay your own company when you settle with the other party's insurance company.

Your health insurance carrier can be called upon to pay your medical bills. However, health insurance companies have a right of "subrogation" which allows them to be reimbursed for their payments from the eventual settlement with the negligent person's company.

Uninsured motorists or UM coverage is one of the most valuable forms of auto insurance you can purchase. Your agent must offer UM coverage to you when you buy your policy. If you do not sign to reject the coverage, the UM provision of the policy provides some important advantages.

If the person who causes your damages does not have insurance, your own UM coverage will pay medical bills, loss of earnings, pain and suffering and other elements of damage in the injury part of your case. UM does not pay for your property damage.

UM also means "underinsured motorists." If the person who is negligent does not have "enough" insurance, your UM will begin paying after the limits of the other person's liability policy have been exhausted. In certain cases we may be able to "stack" the UM limits on all the vehicles in your household.

I have been able to settle 90% of my clients' cases "out of court" down through the years. When your medical treatment has ended, I obtain all of your medical bills and records and doctors' reports and submit the information to the insurance adjuster. The adjuster usually takes a few weeks to evaluate the claim and make an offer of settlement. You and I will discuss the settlement and I will give you my advice on whether the settlement offer is fair. However, you make the decision on whether to take the offer or authorize me to file suit.

MY ONLY GOAL IS TO GET YOU THE MAXIMUM RECOVERY FOR YOUR DAMAGES -- AS QUICKLY AS POSSIBLE.

I handle this type of case strictly on a contingency-fee basis. I take 1/3 of the gross recovery, plus reasonable expenses incurred in the preparation of the case. If there is no recovery, however, you owe me nothing. If your case is settled, the expenses are normally very minor. If your case goes to trial, the case expenses can become significant because of depositions and fees for expert witnesses and doctors.

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