Oklahoma Automobile Insurance Overview 2011

Oklahoma Automobile Insurance Law By Jon Starr

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Oklahoma Automobile Insurance Law ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Uninsured Motorist Coverage ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Offering of UM Coverage ,[object Object]

Offering of UM Coverage ,[object Object],[object Object],[object Object]

New Election No Longer Required For Changes Under Existing Policy ,[object Object]

Legal Standard for UM ,[object Object]

UM in “hit and run” claim ,[object Object]

Stacking of UM Policies Allowed ,[object Object]

Statute of Limitations on UM? ,[object Object]

“3 out of 4” Binds UM Carrier ,[object Object],[object Object]

Plaintiff v. Insurance Company ,[object Object]

Plaintiff v. Tortfeasor and Ins. Co. ,[object Object]

Notice to Insurance Company of lawsuit: Plaintiff v. tortfeasor ,[object Object]

UM Carrier not bound if it is not given notice of lawsuit ,[object Object]

UM Carrier’s Duties ,[object Object],[object Object],[object Object]

Independent Evaluation ,[object Object]

Payment From Dollar One ,[object Object]

All UM is primary to insured ,[object Object]

Subrogation Has 2 Year Statute of Limitations ,[object Object]

Effect of Tortfeasor’s Statute of Limitations Running ,[object Object],[object Object]

If Underinsured, UM Still Pays Dollar One If Claim Against Tortfeasor Barred By Statute of Limitations ,[object Object]

Do Not Count Umbrella Policy In Determining If Tortfeasor Is Underinsured ,[object Object]

Medical Liens and UM ,[object Object],[object Object]

Hospital Liens ,[object Object],[object Object]

Physicians' Liens ,[object Object],[object Object]

No Setoffs Against UM ,[object Object],[object Object]

Arbitration Of UM Disputes ,[object Object],[object Object],[object Object]

Waive Sub or Substitute Pay ,[object Object]

Trigger Of 60 Days Window ,[object Object],[object Object],[object Object],[object Object]

“ Excluded Driver” not valid against passengers on UM claim ,[object Object]

GOVERNMENT EMPLOYEES INSURANCE CO. v. QUINE 2011 OK 88 ,[object Object],[object Object],[object Object],[object Object],[object Object]

Medical Payment Coverage ,[object Object]

Can Sub “Guest Passenger” Med Pay ,[object Object]

Property Damage Coverage ,[object Object]

Settlement of 1 st Party Total by Replacing Vehicle ,[object Object]

FMV on 1 st Party Claims ,[object Object],[object Object],[object Object],[object Object]

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Deviations Must Be Documented To The Insured ,[object Object]

Insurable Interest in Vehicle in Oklahoma ,[object Object]

Oklahoma statute requires an insurable interest in a vehicle ,[object Object],[object Object]

Title does not necessary for “ownership” ,[object Object]

Minimum Liability Limits ,[object Object],[object Object]

All Insurance Discoverable In Litigation ,[object Object]

Most Liability Exclusion Invalid Up to Minimum Limits ,[object Object]

Public Policy = “Protection of Innocent Victim” ,[object Object],[object Object]

Mileage Radius ,[object Object]

Operator Age Exclusion ,[object Object]

Household Exclusion ,[object Object]

Misrepresentation on Application ,[object Object]

No Limited Permissive Use ,[object Object]

O'Neill v. Long ,[object Object]

O'Neill v. Long ,[object Object],[object Object]

TAPP v. PERCIFUL ,[object Object]

BALL v. WILSHIRE INS. CO . 2009 OK 38 ,[object Object]

Specific Named Excluded Driver ,[object Object]

Why? ,[object Object],[object Object],[object Object],[object Object],[object Object]

Specific Named Driver Exclusion Questioned ,[object Object]

Named Excluded Driver Exclusion only valid if due to bad driving record ,[object Object]

Intentional Act ,[object Object]

Property Damage Claims under Liability Coverage

Commercial Totals Under Liability Coverage ,[object Object],[object Object],[object Object]

Non-Commercials Totals under Liability Coverage ,[object Object],[object Object]

Why? ,[object Object],[object Object]

Repairable PD ,[object Object]

Depreciation ,[object Object],[object Object]

“ ARISING OUT OF THE: • OPERATION, • OWNERSHIP, • MAINTENANCE, or • USE OF A VEHICLE”

“ ARISING OUT OF THE OPERATION, OWNERSHIP, MAINTENANCE, OR USE OF A VEHICLE” ,[object Object]

Duty To Defend: Allegations ,[object Object]

Duty To Defend Is Independent of Duty To Indemnify ,[object Object]

Duty To Defend: Facts ,[object Object]

Duty To Settle ,[object Object]

Equal Consideration Doctrine ,[object Object]

Badillo opinion said: ,[object Object]

EVIDENTIARY RULES: ,[object Object]

Accident Report Not Admissible : ,[object Object],[object Object]

Opinion as to Fault of Investigating Officer Who Did Not Witness Accident Not Admissible : ,[object Object]

Traffic Tickets Which Are Paid Without Plea or Paid on Plea of No Contest Not Admissible: ,[object Object],[object Object]

Medical Expert Testimony Needed to Support Claims For Future Medical Expenses: ,[object Object]

Existence of Liability Insurance Inadmissible ,[object Object],[object Object],[object Object],[object Object]

BREEN v. GARDNER 2011 OK CIV APP 58 ,[object Object]

Prior Settlement Admissible to Show Evidence of Fault of Property Damage Not In Subsequent Personal Injury Case ,[object Object]

Tort Reform that may effect automobile cases

Tort Reform Changes ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Joint and Several Liability ,[object Object],[object Object],[object Object],[object Object]

Joint and Several Liability ,[object Object],[object Object]

So What Is The Difference ,[object Object],[object Object]

Dismissal For Failure To Serve ,[object Object]

Prayer In Petition ,[object Object]

Use and Nonuse Of Seatbelts ,[object Object]

Initial Disclosure of Damages ,[object Object]

Dismissal After Pretrial ,[object Object],[object Object]

Prejudgment Interest ,[object Object]

Noneconomic Damage Caps 23 O.S. Section 61.2 ,[object Object],[object Object],[object Object],[object Object],[object Object]

Elimination of General Verdict ,[object Object],[object Object],[object Object],[object Object]

Failure To Carry Minimum Liability Insurance Limits Damages ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Evidence of Medical Expenses is Amount Paid, not Amount of Bill ,[object Object],[object Object]

Jury Instruction of Taxes ,[object Object],[object Object]

Actions That Violate the Unfair Claims Settlement Practice Act ,[object Object]

Acknowledgement of Receipt of Claim ,[object Object]

Duty to Provide Forms and Instructions to 1 st Party Insureds ,[object Object]

Notification of Statute of Limitation to Unrepresented Claimants ,[object Object]

To Time Limits On Signing of Release Other Than Statute of Limitations ,[object Object]

No Encouraging 3 rd Party Claimant To Use Own Coverage When Liability Is Clear ,[object Object]

No Unreasonable Travel Requirements of Claimants ,[object Object]

Reductions For Betterment and Depreciation ,[object Object]

No Release of All Claims to Settle PD When BI Pending ,[object Object]

Duty To Include Lienholder on 3 rd Party Total Loss ,[object Object]

Oklahoma Automobile Insurance Overview 2011

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