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 include uninsured/underinsured motorist coverage (UM/UIM), medical payment coverage (med pay), collision coverage, comprehensive coverage, and rental reimbursement coverage.

Third-party claims

“Third-party” refers to coverage provide by an insurance policy for the benefit of others who suffer damages as the result of actions by a person or entitty covered by the insurance policy. These coverages include liability for bodily injury and and property damage.