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 — $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 — (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 — and 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.