What is a car accident claim worth in Oklahoma?
Every rule below is quoted from Oklahoma law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Oklahoma, and the Oklahoma rules that raise or lower what you collect. $18,647 was the average injury claim paid in Oklahoma in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Oklahoma law on this site, each with a link.
What claims paid in Oklahoma
Injury claims in Oklahoma averaged $18,647 each in 2022.
Car and property damage claims averaged $6,328.
| Injury claim paid by the at fault driver's insurance | $18,647 |
|---|---|
| Car and property damage | $6,328 |
| Medical payments coverage, paid by your own policy | $3,876 |
| Collision coverage, paid by your own policy | $6,957 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Oklahoma
If you were partly at fault
Oklahoma uses modified comparative negligence with a 50 percent bar. You can recover money as long as your share of fault is not greater than the fault of the person or people you are suing. If your fault is greater than theirs, you recover nothing, and your award is reduced by your percentage of fault.
“contributory negligence shall not bar a recovery, unless any negligence of the person so injured is of greater degree than any negligence of the person, firm or corporation causing such damage, or unless any negligence of the person so injured is of greater degree than the combined negligence”
The other driver's policy limit is the ceiling
Oklahoma drivers must carry at least $25,000 in liability coverage for one injured person, $50,000 total per accident if more than one person is hurt, and $25,000 for property damage.
“Twenty-five Thousand Dollars ($25,000.00) because of bodily injury to or death of one person in any one accident and, subject to said limit for one person, Fifty Thousand Dollars ($50,000.00) because of bodily injury to or death of two or more persons in any one accident, and Twenty-five Thousand Dollars ($25,000.00) because of injury to or destruction of property of others in any one accident”
If the other driver has no insurance
Oklahoma auto insurance policies must include uninsured and underinsured motorist coverage, but the policyholder can reject that coverage in writing.
“A named insured or applicant shall have the right to reject uninsured motorist coverage in writing.”
The deadline that ends the claim
You have 2 years to sue over injuries from a car crash in Oklahoma.
“Within two (2) years: ... an action for injury to the rights of another, not arising on contract, and not hereinafter enumerated”
What a lawyer takes if you hire one
In Oklahoma, a lawyer's contingency fee agreement must be in writing and signed by the client, must explain how the fee is calculated and what expenses come out of the recovery, and the lawyer must give the client a written statement at the end of the case showing the outcome and how much the client receives.
“A contingent fee agreement shall be in writing signed by the client... Upon conclusion of a contingent fee matter, the lawyer shall provide the client with a written statement stating the outcome of the matter, and, if there is a recovery, showing the remittance to the client and the method of determination.”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.