Declarations verified
Dates, listed vehicles, coverages, limits, premiums, deductibles, and endorsement numbers shown on the declarations.
Coverage worksheet
Source 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.
25 / 50 / 25
Ordinary Oklahoma minimum
Issued contract
Coverage text to review
60 days
Settlement-protection window
Printable working tool
Map the policies before drawing the conclusion.
Use one row for every policy that might respond. Mark only what the file actually proves.
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Addison Law Firm · General-information worksheet
Oklahoma Auto Insurance Coverage Audit
Primary-source review: July 16, 2026. Confirm the issued policy, endorsements, signed forms, policy history, applicable law, and loss facts before reaching a coverage conclusion.
Client / matter: ____________________ Loss date: ____________________ Claimant: ____________________
Driver: ____________________________ Vehicle / identification number: ______________________________
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.
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.
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.
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.
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.
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.
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.
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.
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.
Map the coverage before the release
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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