Oklahoma Automobile Insurance Overview 2011

Oklahoma Automobile Insurance Law By Jon Starr

[object Object],[object Object],[object Object],[object Object]

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]

[object Object],[object Object]

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

Empfohlen

Empfohlen

Weitere ähnliche Inhalte

Was ist angesagt?

Was ist angesagt? (19)

Andere mochten auch

Andere mochten auch (20)

Ähnlich wie Oklahoma Automobile Insurance Overview 2011

Ähnlich wie Oklahoma Automobile Insurance Overview 2011 (20)

Kürzlich hochgeladen

Kürzlich hochgeladen (20)

Oklahoma Automobile Insurance Overview 2011

Hinweis der Redaktion