Oklahoma requires all drivers to carry liability insurance at all times for protection in the event of an accident. The minimum state-mandated car insurance in Oklahoma consists of $25,000 for the injury or death of one individual (which includes yourself), $50,000 coverage for the death or injury of more than person, and $25,000 property damage coverage.
Oklahoma operates under the fault-based system should an accident occur. The fault-based system, also known as a tort system, means that if a car accident happens, the party that is fault is responsible for all of the damages. After a car accident, the victim can file a claim with the at-fault party’s insurance company. However, if the other party’s insurance company doesn’t pay for all of the damages, the victim can also file a lawsuit.
Be aware that if you’ve been a victim of a car accident, you have two years from the time of the accident to file a personal injury and/or property damage lawsuit. It’s recommended however, to retain the services of a top car accident lawyer as soon as possible in order to maximize not only your chances of success, but also your damages.