OKLAHOMA AUTO INSURANCE GUIDE
Oklahoma UM/UIM Anti-Stacking & Multiple Insurance Policies
Oklahoma’s UM statute now expressly addresses stacking. Under 36 O.S. § 3636(B), policies issued, renewed or reinstated after November 1, 2014 are not subject to stacking or aggregation of UM limits unless the insurance carrier expressly provides for stacking.
- Identify every potentially applicable policy and its issue, renewal or reinstatement date.
- Review each policy for an express grant of stacking or aggregation.
- Do not assume that multiple vehicles, policies or premiums automatically produce additive UM/UIM limits after the 2014 amendment.
- Analyze insured status and policy priority separately from stacking.
Primary Oklahoma Source
36 O.S. § 3636 — Uninsured Motorist Coverage
Current-law review: September 16, 2026. Post-November 1, 2014 Oklahoma UM/UIM policies do not stack unless the carrier expressly provides otherwise.
VictimsGuide 