
Uninsured/Underinsured Motorist Claims
In Oklahoma, over 25% of drivers are uninsured. And nearly 20% are underinsured. This means that in the event of a collision, there is a strong chance the other driver’s insurance may not be able to cover your injuries. That’s where uninsured/underinsured motorist coverage (UM/UIM) comes in.
Your UM/UIM policy is supposed to ensure your insurance company—not the other driver’s—provides for your injuries and medical bills. But insurance companies still look for ways to minimize damage and escape paying what you’re owed.
Black-box software programs to lowball injuries
Insurances rely on top-secret software programs to try to pay less for your injuries. These programs attempt to assign hard-dollar numbers to elements that are nearly impossible to quantify with a calculator—things like pain and suffering or emotional distress. Insurers further manipulate these programs to avoid payment for complicated or extensive injuries such as spinal or soft tissue damages. Worse yet, the software programs will consider information that has nothing to do with your injury. For example, these programs consider whether you have an attorney, who the judge is in your jurisdiction, and how likely a jury would be to award damages in your hometown courthouse. At Marr Law Firm, we know these programs inside and out.

When to Reach Out
If your insurance company is delaying your payouts, challenging your medical bills, and denying the treatment your doctors believe is necessary, it’s time to get help. We have decades of experience investigating fraudulent practices in UM/UIM claims and we know how to expose the insurance companies in court.
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Our Process
How we handle denied or underpaid UM/UIM claims:
Initial call
You explain to us your injuries and the treatment you are receiving.
Document review
We review your policy, medical records, accident reports, and communications with your insurance company.
We take over
If we believe your insurance company is not treating you fairly, we move forward with your lawsuit and handle all communication with the insurance company so you don’t fight alone.
