OK Property & Casualty study plan

Map the Oklahoma Insurance Department's regulatory authority, producer/agency/adjuster licensing paths, and continuing-education obligations into an outline

Differentiate each unfair trade practice and prohibited act under Oklahoma insurance law and give a one-line example of each

Outline Oklahoma rules governing policy cancellation, nonrenewal, and premium-change notice, noting every required day count

Identify Oklahoma requirements for the guaranty association, surplus lines placement, and insurance fraud reporting

State the Oklahoma-specific rules that override general insurance practice so you can flag 'Oklahoma answer' questions on sight

Compare Dwelling forms and the HO-2, HO-3, HO-4, HO-5, HO-6, and HO-8 programs by perils covered and eligibility

Distinguish how Coverages A through D are valued, limited, and triggered in a total loss versus a partial loss

Apply Coverage C special limits and the special-limit categories to sample loss inventories

Analyze common homeowners endorsements and determine which one responds to a stated loss fact pattern

Compute loss settlements under actual cash value, replacement cost, and functional replacement cost, including deductible placement

Break down the structure of a property policy (declarations, insuring agreement, conditions, exclusions) and locate where each concept lives

Calculate coinsurance penalties and apply deductible, other-insurance, and subrogation provisions to given loss figures

Explain indemnity, insurable interest, risk transfer, and adverse selection using original examples

Classify contract characteristics such as aleatory, adhesion, conditional, and utmost good faith and explain the legal consequence of each

Distinguish named-peril from open-peril (special-form) coverage and identify which exclusions apply regardless of form

Identify the four elements of negligence and apply each to short fact patterns

Differentiate contributory versus comparative negligence and list the standard defenses to a liability claim

Classify compensatory, general, special, and punitive damages and explain which are insurable

Explain occurrence versus claims-made triggers, retroactive dates, and how aggregate limits interact with per-occurrence limits

Distinguish absolute, strict, and vicarious liability and describe the role of additional insured and insured-contract provisions

Label each part of the personal auto policy and state what each part pays and to whom

Apply liability, medical payments, uninsured/underinsured motorist, and physical damage coverages to given accident facts

Compare split limits to a combined single limit and calculate per-person and per-occurrence payouts for multi-claimant losses

Explain Oklahoma financial-responsibility and uninsured-motorist requirements as they affect the PAP

Analyze PAP exclusions and the other-insurance and nonowned-auto rules to decide which policy pays first

Compare building and personal property coverage forms, causes-of-loss forms, and specific versus blanket limits

Evaluate businessowners policy eligibility and match BOP coverages to small-business exposures

Interpret commercial auto covered-auto symbols and identify who qualifies as an insured

Distinguish the commercial general liability coverage parts and when occurrence versus claims-made forms apply

Explain how additional insured status, business auto physical damage, and employer's nonownership liability attach to a business account

Break down workers' compensation benefit categories: medical, disability income, rehabilitation, and death benefits

Differentiate Part One, Part Two, and Part Three of the workers' compensation policy and identify what each responds to

Explain exclusive remedy and employer's liability and how each affects a third-party claim

Identify Oklahoma-specific workers' compensation coverage rules and coverage thresholds for employers

Re-drill the two lowest-scoring domains from your Week 4 exam until each reaches 85%

Rehearse Oklahoma-only numbers and special rules daily until recall is automatic

Recompute homeowners and auto payout math from fresh fact patterns without notes

Take two full-length timed practice exams simulating test-day conditions

Rework every item in your missed-item log until each is answered correctly with a stated reason

Consolidate cross-domain traps (similar terms used differently in personal versus commercial lines) onto a single review sheet