Personal Automobile Policy
The six parts
Part A liability (bodily injury and property damage to others); Part B medical payments; Part C uninsured/underinsured motorists; Part D damage to your auto (collision and other-than-collision); Part E duties after an accident; Part F general provisions.
Oklahoma requires liability limits of at least 25/50/25 and requires uninsured motorist coverage to be provided unless the named insured rejects it in writing. Oklahoma is a tort state, not a no-fault state.
Key definitions
"Your covered auto" includes listed autos, newly acquired autos (subject to notice rules), and temporary substitutes; a permissive user is an insured. Split limits (25/50/25) versus a combined single limit matter when reading a question. Other-than-collision covers theft, fire, glass, hail, and vandalism.
Exclusions and traps
No coverage for intentional acts, racing, vehicles used as public livery, or vehicles furnished for regular use. Business use of a personal auto may be excluded. If the insured drives a friend's car, the friend's policy is primary. UM covers hit-and-run and uninsured drivers; UMPD is a separate option.
Worked example: An insured with 25/50/25 injures two people who each claim $40,000. Each claimant receives $25,000 because the per-person limit caps each claim, and the $50,000 per-accident limit is exhausted.