This office lease clause describes the allocation of risks. The parties desire to allocate certain risks of personal injury, bodily injury or property damage, and risks of loss of real or personal property by reason of fire, explosion or other casualty, and to provide for the responsibility for insuring those risks as permitted by law.
Oklahoma No Fault Clause
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Multi-State
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US-OL25072
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FAQ
No, PIP is not a requirement in Oklahoma. While PIP coverage protects you if you are injured in a car accident, this is not mandatory in Oklahoma and drivers can only purchase it at will.
In a no-fault claim, the parties are not required to prove any party's blameworthiness to resolve the claim. In contrast, parties to a fault-based claim must prove a party was at fault to prevail on the claim.
If you cannot reach an agreement with your insurance company, you can also pursue a civil lawsuit against the motorist who hit you. Once again, though, remember that their lack of insurance may indicate a lack of means. You could end up waiting for an award that will never arrive, even if a court rules in your favor.
In accidents involving an uninsured driver, Oklahoma uninsured motorist coverage will pay for medical bills for you, members of your family who reside with you and passengers in your car. It also covers your injuries if you are struck by a hit-and-run driver.
Even though Oklahoma does not require uninsured and underinsured motorist coverage, you should still consider buying it. In Oklahoma, an average of 13% of drivers on the road don't have car insurance, which means there is a 1 in 9 chance that the other driver won't have coverage if you get into an accident.
If you don't insure your vehicle you will get a Fixed Penalty Notice and if you still don't insure it, it could be seized, clamped or destroyed or you could be taken back to court.
No, Oklahoma is not a no-fault state. It is an at-fault state. What this means is that the at-fault party is responsible, financially, for any property damages and/or injuries suffered as a result of the accident.