After a wreck there are usually two insurance companies in the picture, yours and the other driver's. Oklahoma law treats them differently, and the difference decides who you can hold to account when a claim is mishandled.

Uninsured motorist coverage is the part of your own policy that pays when the driver who hit you has no insurance, or not enough. Here is how it works in Oklahoma, and what your own company owes you when you use it.

The call comes a day or two after the wreck. The adjuster is polite and only wants your side of it, on a recorded line. Here is what that recording is for, and what your rights are.

Insurance adjusters are friendly, and the first offer usually comes fast. Here is what the research says about what people give up when they take it without advice.