Case Results: A Tradition Of Positive Case Outcomes

DISCLAIMER: Please note that every case is different and these verdicts and settlements, while accurate, do not represent what we may obtain for you in your case.

Insurance company denied claim for failure to report within 60 days

Our client was a retired Korean War veteran and a retired doctor. His favorite form of exercise was riding his bicycle. He would ride 20-30 miles per day. As he was riding his normal route, he was suddenly struck by a pickup truck traveling over 60 miles per hour. He was thrown over 100 feet through the air. He had numerous broken bones and a traumatic brain injury (TBI). He remained in the hospital for almost three months. Shortly after he was discharged home from the hospital, he notified his insurance company of the accident. His insurance company denied his claim saying that he had not notified them of his claim within 60 days of the accident as required by the insurance policy, according to the adjuster. Of course, he was in a coma most of that time. Therefore, he retained the Scott Ray Law Firm because he was concerned about how he would pay for the thousands upon thousands of dollars of medical bills. We promptly required the insurance company to provide us with a certified copy of his insurance policy and to point out the specific policy provisions that they relied upon to deny our client's claim. As it turns out, the policy did not require notification within 60 days as the adjuster had claimed. Nonetheless, the insurance company continued to deny the claim claiming that he was required to give them notice of the accident within a reasonable time and giving notice 90 days after the accident was not reasonable. We quickly required them to show us any Oklahoma law that supported their position. The response we received was that the adjuster was now "no longer with the company" and the insurance company was accepting the claim. It was clear that the insurance company was acting in bad faith. Although it had been caught in its lie, the insurance company was not deterred from trying to cheat our client out of the money it owed. Although the accident was in Oklahoma, with an Oklahoma truck driver and an Oklahoma victim that was treated in an Oklahoma hospital, the insurance company tried to use a Pennsylvania law, to limit the amount it had to pay! By the time the case was over, the insurance company had paid enough for our client to live out his retirement without worries of medical bills or expenses. Sometimes it seems that insurance companies will never learn!

Awarded: Confidential

Located in Lawton, Oklahoma, Scott Ray is dedicated to helping clients throughout the state with their legal needs. In the past, the law office has served clients in the following Oklahoma counties, cities, and towns:

Counties: Comanche County, Jackson County, Grady County, Oklahoma County, Cleveland County, Carter County, Caddo County, Custer County, Beckham County, Pottawatomie County, Cotton County, Stephens County, Greer County, Kiowa County, Canadian County, Tulsa County and Harmon County.

Cities and Towns: Lawton, Fort Sill, Altus, Chickasha, Oklahoma City, Edmond, Midwest City, Yukon, Del City, Mustang, Newcastle, El Reno, Norman, Ardmore, Anadarko, Clinton, Elk City, Shawnee, Walters, Medicine Park, Elgin, Duncan, Geronimo, Cache, Frederick, Mangum, Marlow, Snyder, Apache, Hobart, Sayre, Hollis, and Tulsa.

We are proud to represent our servicemen and servicewomen stationed at Fort Sill and Sheppard who require legal assistance. In addition, the Scott Ray Law Firm also serves clients in Texas cities and towns close to Lawton, Oklahoma, such as Wichita Falls.