Oklahoma requires UM coverage, treats a driver whose limits are less than your claim as uninsured, does not reduce your UM limit by the other driver's payment, and bars stacking on policies issued, renewed or reinstated after November 1, 2014 unless the carrier provides for it. Enter your limits, damages and the other driver's payment to see the stacked and single-limit results.
Enter your policy limits, your damages and what the other driver's coverage paid.
Oklahoma's rules are in 36 O.S. 3636. The fault rule is 23 O.S. 13 and the deadline 12 O.S. 95.
Read how stacked and single-limit coverage differ in Oklahoma, check what section 3636 says, or see how Oklahoma UM covers underinsured drivers.
A local personal injury attorney can review your claim — many offer a free consultation.
This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Oklahoma statutes. Confirm how these rules apply to your specific case with a licensed Oklahoma attorney.