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 claims by UM/UIM carriers because in a potential underinsured motorist situation, the UM/UIM carrier needs to know the underlying liability limits to determine whether or not the claim would trigger UM/UIM benefits.

Source: Tit. 12 O.S. 3226(B)(1).