You’ve paid your car insurance premiums.  Now your car insurance company must uphold their end of the bargain.

Car accidents are a frequent occurrence in Oklahoma. In fact, over 180 crashes occur each day in the state. Every time you get behind the wheel, you rely on your car insurance policy to protect your financial future in the event that you’re involved in an accident and suffer a personal injury or damage to your vehicle. Unfortunately, when auto insurance companies act unscrupulously or even illegally, you could end up footing the bill for property damage, medical bills, and more. These costs can be considerable . . . even life changing.

If you’ve recently had an auto insurance claim unfairly denied, or if you believe you’ve otherwise been treated unjustly by your car insurance carrier, it may be time to take legal action.

Let attorney Doug Terry put his decades of experience handling bad faith car insurance cases to work for you. Call our office at 405-463-6362 to schedule a free consultation with our Oklahoma car insurance claim lawyer today.


When you purchase a car insurance policy, your insurance carrier has some legally binding obligations to you as a policyholder.

Understanding your car insurance company’s responsibilities is important in determining if you are a victim of bad faith. While these specific obligations vary from person to person depending upon policy and coverage, your insurance company is required to investigate and resolve your claims fairly and reasonably.

Additionally, many auto insurance policies require the insurer to pay for the damage to your vehicle. And, if you have “medical payments” coverage, your insurer must pay medical bills from your accident as determined by the terms of your policy. Your insurance company must also protect you from third-party lawsuits. This may include providing compensation for medical bills, property damage, and other expenses related to an at fault accident.

If you believe you are a victim of bad faith, a reputable car insurance lawyer can review your policy and your claim and determine if you have grounds for a lawsuit.

Client Testimonial

”The Best!! I had a problem getting my Insurance company to pay my claim. They had flat told me they were done with me and closed it out. One call to Doug Terry Law got my full claim paid in less than a week. Thank you Mr. Terry and your staff.” – Erick Maupin (Google Review)

If you believe you may have a legal case against your auto insurer for acting in bad faith, call car insurance lawyer Doug Terry at 405-463-6362 to schedule a no cost consultation.


Attorney Doug Terry

Lawyer Doug TerryAfter 25 years practicing in a larger firm, Doug chose to open his own practice in Oklahoma City. He brings his wealth of knowledge and his skills as a litigator to bear for his clients in matters of insurance bad faith, personal injury cases and class actions. Doug has the distinction of being awarded a Martindale-Hubbell “AV Preeminent” rating from his peers in the legal community. He has also been selected as an Oklahoma Super Lawyer. [ Attorney Bio ]

Types of Damage Your Auto Policy Might Include

Know the coverage you have. Property damage and personal liability coverage alone will result in a very different settlement than if your policy includes comprehensive and collision coverage.

There are a wide range of options available when it comes to auto insurance coverage, so you’ll want to check your specific policy documents to determine exactly what is and isn’t included. At the very least, your policy should include personal liability and property damage protection. This coverage is meant to safeguard you from incurring another driver’s medical expenses, lost wages, and property damage costs in the event of an accident.

Uninsured/underinsured motorist (“UM”) coverage can also be critical. Not everyone has this coverage, but if you do and you are involved in an accident with another driver who has no insurance, or not enough insurance to compensate you for your injuries in the accident, you may make a claim under your own UM coverage. In cases like this, your insurer must act fairly, not treat you like their adversary. The insurer must fully investigate and appropriately evaluate your UM claim, not look harder for reasons to deny than for reasons to pay. UM claims often give rise to bad faith claim handling.

If you have comprehensive and collision coverage, your auto insurance policy should also compensate you for repairs that may be needed to your vehicle after it has been involved in an accident or otherwise damaged (such as by hail). If your car is totaled, your insurance company should reimburse you the value of your vehicle toward the purchase of a new one.

Keep in mind, you may still be responsible for paying a deductible before your insurance coverage activates, and your policy will only protect you up to the total limit amount as listed on your policy.


Auto Policy Basics

Be sure you know the following information about your policy when you file a claim.

  • Do you have personal liability coverage? What is the limit of protection?
  • Do you have property damage coverage? What is the limit of protection?
  • Does your policy include comprehensive and collision coverage? What amount of protection does this coverage offer?
  • Do you have uninsured/underinsured motorist (“UM”) coverage? What is the policy limit?
  • What is your deductible?

Our Auto Insurance Claim Denial Lawyer Knows Insurer Tactics

Auto insurance disputes are common. There are multiple ways car insurance companies try to deny or underpay auto claims. We know their playbook.


Unfortunately, getting reimbursed for your car accident claims from your insurance company can be more challenging than you may initially think. Simply paying your premiums on time and submitting your claim (along with all relevant documentation) does not ensure you will be paid in full in a timely fashion. In fact, auto insurance companies can make it incredibly challenging for you to receive the compensation to which you are entitled. If your claim has been denied without justification or your insurance company is outright refusing to pay, you may have a bad faith claim. In cases like this, working with a seasoned Oklahoma car insurance lawyer is a good decision.


In order to increase their profitability, insurance companies often approve claims but offer settlements that are not adequate to cover all of the accident-related expenses, including medical bills, future treatment, pain and suffering, repairs, or replacement of your car. If you believe you are the victim of an underpaid claim, you should absolutely pursue legal action. All too often, auto insurance companies will submit an initial “lowball” offer to policyholders in the hopes that they’ll accept without fighting back. Don’t make that mistake — you have the right to appeal!


Often, insurance companies will utilize “experts” to provide opinions regarding the validity of your claim. One common example is requiring an injured policyholder to be examined by an “independent” doctor, when in fact the doctor has examined many policyholders for that very insurance company. When the adjuster knows what the doctor is going to say ahead of time (namely, that the policyholder is not hurt as badly as he or she claims or is not hurt at all), it is not reasonable or fair. Your car insurance attorney can help address issues like this.


One of the insurance industry’s favorite tactics is to delay auto insurance claim payments as long as possible. Their idea is to wear you down in hopes that you will ultimately settle your claim for less than what it is worth or simply drop it altogether. In such situations, consulting an Oklahoma insurance claim lawyer can be a decisive step. Ways in which insurance companies delay claims include continually asking for “additional information” when they don’t really need it, refrain from moving the claim forward until you push them to do so, and making repeated excuses for not resolving the claim.

When you realize the insurance company is not working to settle your claim appropriately and in a timely fashion, it’s time to consult an experienced Oklahoma auto claim attorney

Contact Doug Terry today at 405-463-6362 to schedule your consultation and discuss your legal claim.  Once we have a better understanding of what happened, we can tell you the types of damages to which you may be entitled. Be advised, when you work with Doug Terry Law you will pay no fees unless we win your case.

How An Auto Insurance Claim Lawyer Can Help

Our goal is to maximize your auto claim settlement.

Experience and knowledge are two crucial characteristics to prioritize when identifying a car insurance attorney to represent you. Doug Terry has been practicing since 1993 and has dedicated a large portion of his practice to handling bad faith insurance claims. He leverages the resources of his entire firm to provide his clients with the best possible services. Doug Terry Law was founded on the belief that insurance companies should treat their policyholders fairly. The firm has a reputation for advocating tenaciously for its clients. We work tirelessly to maximize your settlement.

If you’re being treated unfairly by your auto insurance company, it’s time to take action. Talk to our car insurance claim denial lawyer.

Schedule a case consultation with Doug Terry to determine the next steps in your auto insurance claim denial and learn just how powerfully our legal team can help represent your rights and best interests.  You can reach our office at 405-463-6362 to schedule your consultation. We charge no fees unless we win your case.


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