Property Damage in Oklahoma
In Oklahoma, the law regarding property damage is pretty clear. The insurance carrier for the at-fault driver owes the “fair market value” of your vehicle prior to being damaged in the collision or the cost of repairs. You get to choose where your car is repaired, whether the insurance company recommends a specific shop or not. The insurance company also must replace any personal property that is damaged in the wreck such as cell phones, eyeglasses, and car seats. Make sure you take photos of all damage and keep your receipts for replacement items and repairs.