The multiplier method with Oklahoma's actual rules applied: modified comparative, 51% bar, a 2-year filing window. Every statute cited and linked, every line of arithmetic shown.
Based on the multiplier method used by insurers and attorneys. This is an educational estimate, not legal advice. Every claim is different.
You recover unless your negligence is greater than everyone else's combined (≤50% recovers, reduced by your share). (23 O.S. §13–14)
2 years (12 O.S. §95(A)(3)). The clock is jurisdictional. One day late and no court will hear the case.
At-fault state, no PIP.
Minimum liability coverage: 25/50/25, meaning $25,000 per person, $50,000 per accident, $25,000 property damage. (47 O.S. §7-324) Policy limits are the practical ceiling on most settlements, which is why identifying every available policy (including your own underinsured-motorist coverage) matters.
Oklahoma pain-and-suffering faces no statutory ceiling since Beason, but on the workers' comp side, the flat $375/week PPD maximum (not wage-indexed) makes Oklahoma PPD awards among the lowest anywhere: a 10% whole-body rating tops out around $13,500.
The same multiplier method used everywhere, so (medical bills + lost wages) × a 1.5–5× severity multiplier + property damage. Then Oklahoma's fault rule is applied: You recover unless your negligence is greater than everyone else's combined (≤50% recovers, reduced by your share). The calculator on this page runs exactly that math and prints every line.
2 years (12 O.S. §95(A)(3)). Miss the deadline and the claim is barred permanently, no matter how strong it is. Claims against government entities often have much shorter notice requirements.
At-fault state, no PIP.
Non-economic damages: No cap. Oklahoma's $350k cap was struck down entirely (Beason v. I.E. Miller, 2019) and nothing has replaced it as of Aug 2026. Punitive damages: Tiered: greater of $100k or actual damages (reckless disregard); $500k/2× (intentional malice); uncapped for life-threatening intentional conduct.