Stacked vs. Single-Limit UM Coverage in Oklahoma

By the FigureMyTax Editorial Team · How we calculate

Stacking adds the uninsured motorist limits of several vehicles or policies together. Oklahoma policies issued, renewed or reinstated after November 1, 2014 are not subject to stacking or aggregation of limits unless the insurance carrier expressly provides for it.

What stacking means

A household may have more than one vehicle or policy with UM. Stacking adds those limits after one injury, so $100,000 and $50,000 become $150,000. Single-limit coverage pays only the one limit that applies.

What Oklahoma law says

36 O.S. 3636(B) says policies issued, renewed or reinstated after November 1, 2014 shall not be subject to stacking or aggregation of limits unless expressly provided for by an insurance carrier. The statute does not say what happens on older policies; ask an attorney.

A worked example

Suppose you have two vehicles with $100,000 and $50,000 of UM, the at-fault driver's insurer paid its $25,000 limit, and your damages are $250,000. UM is not reduced by the other driver's payment, so with no stacking it pays up to $100,000, the single limit. If your carrier expressly provides for stacking, it could pay up to $150,000. Try your own numbers in the Oklahoma UM/UIM stacking calculator.

What to check

Look for a stacking provision in your policy and its issue or renewal date. See what section 3636 says and how Oklahoma UM covers underinsured drivers.

This is general information, not legal advice, and the state comparisons above are illustrative, not an exhaustive survey. Confirm how Oklahoma's rules apply to your specific case with a licensed Oklahoma attorney.