Oklahoma Personal Injury Laws
Oklahoma follows a modified comparative fault system with a 51% bar — you can recover only if your fault is not greater than 50%. The general statute of limitations for personal injury is 2 years. Oklahoma's statutory noneconomic damage cap of $350,000 was struck down as unconstitutional by the Oklahoma Supreme Court in Beason v. I.E. Miller Services (2019). Oklahoma is a fault-based auto insurance state with 25/50/25 minimum liability limits. Punitive damages follow a three-tier cap system based on the defendant's conduct.
Last verified: 2026-02-25
Statute of Limitations
Personal injury actions must be filed within 2 years from the date of injury. This applies to negligence, intentional torts, and most other tort claims.
Exceptions
When an injury could not reasonably have been discovered at the time it occurred, the statute begins running from the date the injury was or should have been discovered through reasonable diligence.
Wrongful death claims must be filed within 2 years of the date of death.
If the injured person is a minor at the time the cause of action accrues, the statute of limitations is tolled until they reach age 18, with 1 additional year to file after reaching majority.
Claims against the state or political subdivisions must be preceded by written notice within 1 year of the loss. The government has 90 days to approve or deny. Suit must be filed within 180 days of denial.
Fault & Liability Rules
Your recovery is reduced by your percentage of fault. If your fault is greater than 50%, you are completely barred from recovery. Oklahoma abolished joint and several liability — each defendant pays only their proportional share.
Damage Caps
The Oklahoma Supreme Court struck down the $350,000 noneconomic damage cap (former 23 O.S. § 61.2) as an unconstitutional special law in Beason v. I.E. Miller Services (2019). There is currently no cap on noneconomic damages in Oklahoma.
For negligence-based punitive damage claims, the cap is the greater of $100,000 or the amount of actual damages awarded.
When the defendant acted intentionally or with reckless disregard, the cap is the greater of $500,000 or two times the amount of actual damages.
No cap applies when the jury finds the defendant's actions were life-threatening, that the defendant was aware of the threat, and acted in reckless disregard of that threat.
Auto Insurance System
Oklahoma is a fault-based auto insurance state. Minimum liability coverage is 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage). Uninsured motorist coverage is required at the same limits unless rejected in writing.
Key Oklahoma Statutes
Oklahoma abolished joint and several liability. Each defendant is responsible only for their proportional share of fault. The plaintiff bears the risk of uncollectible judgments.
Oklahoma modified the collateral source rule — evidence of insurance payments and other collateral source benefits is admissible to reduce the damages award.
Official Sources
Not Legal Advice
This information is for general reference only and does not constitute legal advice. Laws change — verify current statutes at Oklahoma Legislature — Statutes. For advice about your specific situation, consult a licensed attorney.
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