Under Oklahoma law, automobile liability insurance carriers must offer uninsured motorist coverage (commonly referred to as “UM”).  UM coverage provides benefits for personal injuries sustained by an insured arising out of the ownership, maintenance, or use of a motor vehicle and the individual at fault is uninsured or underinsured.  Breaking down the past sentence may…

In Oklahoma, one who asserts a claim against another for vehicle damage caused by an accident should include three elements of damages: 1) The cost to repair or replace the vehicle; 2) diminution in value; and 3) loss of use.  Let’s look at each issue.  Repair or Replace the Vehicle. First, the at-fault party is responsible…