Oklahoma insurance companies typically offer medical payment coverage, commonly referred to as “med pay”, rather than personal injury protection (PIP) coverage which is sometimes sold in other states. Medical payment coverage covers reasonable and necessary medical expenses up to the limits of the coverage regardless of who was at fault in the accident.
If you have [...]
Yes. the Oklahoma Supreme Court has ruled that an insurance company may exclude a specifically named driver from coverage offered by an automobile liabilty policy. In Pierce v. Oklahoma Property & Casualty Insurance Co., the Supreme Court of Oklahoma evaluated conflicting public policies and upheld this exclusion that allows members of a household to obtain [...]
Yes. Oklahoma law requires insurance companies to offer their policyholders uninsured/underinsured (UM/UIM) motorist covereage in an amount equal to the minimum liability limits on each insured vehicle.
If the insured chooses not to purchased UM/UIM coverage or chooses to purchase UM/UIM coverage with lower limits than the liability limits, a written waiver must be signed by [...]
It depends on the timing of the request for disclosure. An insurance company has no legal duty to disclose the limits of an insured’s automobile liability policy to an injured third-party claimant prior to a lawsuit being filed. However, once litigation has commenced, the liability limits are discoverable.
This can complicate the handling of uninsured/underinsured motorist [...]
Any automobile liability insurance policy issued or renewed after April 2005 is required to provide minimum limits of $25,000 per person, $50,000 per accident, and $25,000 for property damage.
Source: Tit. 47 O.S. 7-324.
Yes. The Oklahoma Compulsory Liability Insurance Act provides that:
“…every owner of a motor vehicle registered in this state…shall, at all times, maintain in force with respect to such vehicle security for the payment of loss resulting from the liability imposed by law for bodily injury, death and property damage sustained by any person arising out [...]
When considering any issue involving insurance in Oklahoma, it is important to determine whether or not the issue is a “first-party” issue, a “third-party” issue, or some combination of the two.
First-party claims
“First-party” refers to coverage provided by an insurance policy that belongs to the person making a claim for benefits from that policy. These coverages [...]
Wrongful death, as a legal term, is a death that has been caused by the fault of another person. For example, deaths caused by drunk driving, the manufacture of a defective or dangerous product, the construction of an unsound structure or building, or failing to diagnose a fatal disease may be considered under the law [...]
If you have been injured as a result of a “slip and fall” accident, there are several things that you should do and not do:
Seek medical attention for your injuries.
Request the names of witnesses, including store employees. Be sure to get phone numbers and addresses.
Take photographs of the scene, being sure to get good shots [...]
CNN’s Anderson Cooper recently completed an 18 month investigation into the devious, underhanded tactics emplyoyed by Allstate, which claims “You’re in Good Hands With Allstate,” State Farm, which claims to be “Like a Good Neighbor,” and other major automobile insurers to force unfair settlements on victims of motor vehicle accidents. Cooper interviewed victims, lawyers, and [...]
