Coverage worksheetSource review July 16, 2026

Oklahoma Auto Insurance Coverage Audit

A printable worksheet for identifying every possible policy, separating verified documents from assumptions, and flagging the coverage questions that require the complete policy and legal review.

The practical point

The declarations page is an index, not a coverage opinion. The policy, endorsements, signed forms, policy history, vehicle use, household facts, and other-insurance language still matter.

25 / 50 / 25

Ordinary Oklahoma minimum

Issued contract

Coverage text to review

60 days

Settlement-protection window

Printable working tool

Use one row for every policy that might respond. Mark only what the file actually proves.

Part 1

Build the policy map

Include personal, household, employer, fleet, rental, rideshare, delivery, car-sharing, umbrella, and excess policies. A policy can be relevant even when it did not insure the vehicle shown in the police report.

Declarations verified

Dates, listed vehicles, coverages, limits, premiums, deductibles, and endorsement numbers shown on the declarations.

Signed form verified

The actual signed selection, rejection, or exclusion—not a later summary of what the file supposedly contains.

Full policy needed

Definitions, insuring agreement, exclusions, conditions, endorsements, and other-insurance language remain unresolved.

Facts needed

Residence, permission, ownership, use, work purpose, app status, policy history, or another factual issue controls the analysis.

Legal review needed

Policy construction, statutory compliance, priority, stacking, subrogation, settlement protection, or another legal issue remains.

Potentially responsive policies and the coverage information still to verify
Policy	Insurer / policy / claim	Policy period	Named insured / vehicle	Liability	Uninsured / underinsured motorist	Medical Payments / other	Status / missing
Policy 1	________________	________________	________________	________________	________________	________________	________________
Policy 2	________________	________________	________________	________________	________________	________________	________________
Policy 3	________________	________________	________________	________________	________________	________________	________________
Policy 4	________________	________________	________________	________________	________________	________________	________________
Policy 5	________________	________________	________________	________________	________________	________________	________________
Policy 6	________________	________________	________________	________________	________________	________________	________________

Policy 1

Insurer / policy / claim: ________________________________
Policy period: ________________________________
Named insured / vehicle: ________________________________
Liability: ________________________________
Uninsured / underinsured motorist: ________________________________
Medical Payments / other: ________________________________
Status / missing: ________________________________

Policy 2

Insurer / policy / claim: ________________________________
Policy period: ________________________________
Named insured / vehicle: ________________________________
Liability: ________________________________
Uninsured / underinsured motorist: ________________________________
Medical Payments / other: ________________________________
Status / missing: ________________________________

Policy 3

Insurer / policy / claim: ________________________________
Policy period: ________________________________
Named insured / vehicle: ________________________________
Liability: ________________________________
Uninsured / underinsured motorist: ________________________________
Medical Payments / other: ________________________________
Status / missing: ________________________________

Policy 4

Insurer / policy / claim: ________________________________
Policy period: ________________________________
Named insured / vehicle: ________________________________
Liability: ________________________________
Uninsured / underinsured motorist: ________________________________
Medical Payments / other: ________________________________
Status / missing: ________________________________

Policy 5

Insurer / policy / claim: ________________________________
Policy period: ________________________________
Named insured / vehicle: ________________________________
Liability: ________________________________
Uninsured / underinsured motorist: ________________________________
Medical Payments / other: ________________________________
Status / missing: ________________________________

Policy 6

Insurer / policy / claim: ________________________________
Policy period: ________________________________
Named insured / vehicle: ________________________________
Liability: ________________________________
Uninsured / underinsured motorist: ________________________________
Medical Payments / other: ________________________________
Status / missing: ________________________________

Use a continuation copy if more than six personal, household, employer, fleet, rental, platform, umbrella, excess, or other policies may apply.

Loss date: __________________

Claimant: __________________

Driver: ____________________

Vehicle identification number: ______

Owner: _____________________

Household: _________________

Employer / use: ____________

Platform phase: ____________

Part 2 · Third-party coverage

Liability policy audit

The declarations identify stated limits. The complete policy, applicable law, and facts determine who is insured, which vehicle and use are covered, what exclusions apply, and which policy responds first.

47 O.S. §§ 7-103, 7-324, and 7-600

Audit items

Bodily-injury and property-damage limits; split limit or combined single limit
Named insured, described vehicle, vehicle owner, driver, and garaging address
Listed drivers, endorsement numbers, umbrella or excess limit, and attachment requirements
Express or implied permission; nonowned, borrowed, substitute, rental, or newly acquired vehicle
Employer-owned, hired, or nonowned auto; business, delivery, rideshare, or car-sharing use
Named-driver, household, employee, vehicle-use, or other exclusion
Defense obligation, supplementary payments, other-insurance, proration, and priority language

Verified from: __________________________

Missing / follow-up: _____________________

Legal-review flags

Current ordinary Oklahoma minimum limits are $25,000 per person, $50,000 per accident, and $25,000 for property damage. A minimum limit is not a valuation of the claim.
Do not infer insured status, permission, priority, or an exclusion from the declarations page alone.

Part 3 · First-party bodily-injury coverage

Uninsured and underinsured motorist audit

Use the statute, the actual signed selection or rejection, the full issued policy, and the policy history. A declarations checkbox is not a substitute for the statutory form.

36 O.S. § 3636

Audit items

Bodily-injury liability limit and UM/UIM limit shown on the declarations
Separate signed UM/UIM selection or rejection: signer, signature, date, and selected option
Whether the form was separate from the application and completed by the proper person
Original insurer, affiliate, named-insured continuity, issue, renewal, reinstatement, replacement, and amendment history
Every household policy and the complete policy definition of insured or resident relative
Every vehicle owned by or furnished for regular use of the named insured, resident spouse, or resident relative—and its insurance status
Any express stacking provision; do not assume stacking for policies issued, renewed, or reinstated after November 1, 2014
Tortfeasor limits, available liability proceeds, total bodily-injury claim, UM payments, and asserted statutory subrogation

Verified from: __________________________

Missing / follow-up: _____________________

Legal-review flags

Underinsured status turns on whether the tortfeasor's liability limits are less than the bodily-injury claim; it is not a simple comparison between two policy limits.
Current § 3636(E) includes an exclusion involving an owned, furnished, or regularly available uninsured vehicle. Collect the vehicle and household facts before drawing a conclusion.
UM/UIM ordinarily addresses bodily injury—not repair damage to the claimant's vehicle.

Part 4 · Optional first-party medical coverage

Medical Payments audit

Record the coverage exactly as the policy labels it. Oklahoma commonly uses Medical Payments coverage; do not relabel every medical benefit as Personal Injury Protection.

36 O.S. § 6092 Oklahoma Insurance Department auto-policy guide

Audit items

Coverage name, stated limit, deductible, premium, and payments already made
Named insured, resident relatives, occupants, pedestrians, covered autos, and accident circumstances
Treatment, notice, or submission deadlines and reasonable-and-necessary language
Primary, excess, coordination, setoff, reimbursement, and subrogation provisions
Payment ledger, explanations of benefits, denial or reservation letters, and outstanding submissions

Verified from: __________________________

Missing / follow-up: _____________________

Legal-review flags

36 O.S. § 6092 restricts enforcement of an automobile medical-payment subrogation provision against the named insured and a resident-relative household member; other occupant status may matter.
The endorsement, complete policy, and applicable law determine who and what are covered.

Part 5 · Work and business use

Employer, fleet, and commercial audit

A work-related crash can involve personal auto, business auto, hired and nonowned auto, fleet, umbrella, self-insurance, workers' compensation, and separate commercial UM rules.

36 O.S. § 3637 Anaya-Smith, 2024 OK 34

Audit items

Who owned, leased, rented, furnished, or controlled the vehicle
Whether the trip furthered an employer's business and the driver's employee, contractor, volunteer, or permissive-user status
Business-auto coverage symbols, scheduled vehicles, drivers, hired/nonowned auto, drive-other-car, fleet, and umbrella endorsements
Employer self-insurance, workers' compensation availability or payments, and asserted liens
Named insured's employees and whether 36 O.S. § 3637's commercial motor-truck exception may apply

Verified from: __________________________

Missing / follow-up: _____________________

Legal-review flags

Do not apply personal-auto UM assumptions to every commercial truck policy.
Where § 3636 applies, Anaya-Smith v. Federated Mutual Insurance Co., 2024 OK 34, 549 P.3d 1213, addresses corporate insured classes and a workers' compensation-barred tortfeasor.

Part 6 · Time-sensitive use phase

Rideshare, delivery, rental, and car-sharing audit

Coverage can change by the minute. Preserve the app state, accepted trip, passenger or property status, rental or sharing agreement, and exact policy period.

47 O.S. §§ 1025–1027 and 1052–1056

Audit items

App off; logged on and available; request accepted; passenger or property in transit; trip ended
Platform, driver, delivery, rental, peer-to-peer, and personal policies in effect for the precise time
Timestamped app activity, log-on and log-off data, trip record, agreement, vehicle ownership, and permission
Any personal-policy exclusion for liability, UM/UIM, Medical Payments, collision, or comprehensive during platform use
The platform or sharing policy's primary, excess, deductible, and other-insurance provisions

Verified from: __________________________

Missing / follow-up: _____________________

Legal-review flags

Oklahoma's transportation-network statutes permit personal policies to exclude several coverages while a driver is logged on or completing a ride and require exchange of log-on and log-off times around the collision.
Peer-to-peer sharing uses a separate statutory coverage and record-retention framework. Delivery work may depend on different contracts and endorsements.

Part 7 · Multiple policies

Priority, other insurance, and excess audit

Build the policy map before deciding which carrier pays first. Declarations alone do not resolve primary versus excess coverage.

Audit items

Insured status under each policy and the facts supporting that status
Vehicle relationship: owned, scheduled, temporary substitute, nonowned, hired, borrowed, rental, or platform vehicle
Coverage limit, deductible, other-insurance clause, escape or proration language, and express primary or excess wording
Umbrella or excess attachment requirements and whether underlying limits were maintained
Any express UM stacking provision and the applicable policy dates
Rideshare, sharing, rental, employer, or statutory rules that may override ordinary policy ordering

Verified from: __________________________

Missing / follow-up: _____________________

Legal-review flags

Do not total limits until insured status, policy period, applicable coverage, stacking, exclusions, and priority have been checked.
A policy map is an issue-spotting tool—not a coverage opinion.

Part 8 · Protect the claim

Notice, settlement-protection, payment, and lien audit

Coverage can be lost or complicated by missed notice, incomplete settlement-protection steps, untracked payments, and unresolved reimbursement claims.

36 O.S. § 3636(F)42 O.S. §§ 43–44 85A O.S. § 43

Audit items

Date, method, and recipient of notice to every carrier; claim number; adjuster; acknowledgment
Reservation-of-rights, coverage-position, denial, proof-of-loss, information, recorded-statement, examination, or suit-paper request
Liability-limits offer, proposed release, certified-mail UM notice, supporting materials, and substitution deadline
Carrier payment ledger: liability, UM/UIM, Medical Payments, collision, rental, expense, or other payment
Hospital lien filing county, filing date, amount, service proof, and attorney lien
Workers' compensation carrier, benefits, third-party lien, and 85A O.S. § 43 analysis
Health-plan, Medicare, Medicaid, tribal, military, or other reimbursement issue routed to a separate lien audit

Verified from: __________________________

Missing / follow-up: _____________________

Legal-review flags

Before accepting liability limits while preserving UM rights, flag 36 O.S. § 3636(F)'s notice, documentation, authorization or court-order, and 60-day substitution procedure.
Hospital and workers' compensation liens have their own filing, priority, notice, and subrogation rules. Do not combine them into one estimated deduction.

Final collection pass

Document request checklist

Ask for the issued policy and the documents needed to test its status and endorsements. A declarations page by itself is not a complete production.

Certified complete policy in force on the loss date

Every declarations page and base policy form

Every endorsement, rider, and policy change

Application and signed UM/UIM selection or rejection

Excluded-driver, household, business-use, platform, or other exclusion

Vehicle and driver schedules

Issue, renewal, amendment, cancellation, nonrenewal, and reinstatement notices

Billing and premium history sufficient to confirm policy status

Coverage acknowledgment, reservation-of-rights, position, and denial letters

Claim payment ledger and explanations of benefits

Every potentially responsive household policy

Employer, fleet, hired/nonowned auto, umbrella, excess, and self-insurance material

Rental, rideshare, delivery, and car-sharing agreements and policies

Timestamped platform activity records

Vehicle title, registration, lease, garaging, and permission evidence

Hospital-lien filing and service documents

Workers' compensation payment and lien information

Do not turn the worksheet into a promised recovery

Listed limits are not automatically available limits. Coverage can depend on insured status, the loss date, policy status, definitions, exclusions, use, priority, stacking, offsets, settlement-protection steps, and the facts. Keep lien and reimbursement issues separate from the policy-limit map.

This worksheet provides general information, not legal advice. Using it does not create an attorney-client relationship.

Coverage should be mapped before a release is signed.

A complete Oklahoma auto-insurance review may involve several policies, signed forms, endorsements, household or work facts, and settlement-protection steps.

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