Sometimes, yes – it will. It’s not just the insurance companies for defendants that bargain unfairly. It’s important to note that your own carrier may bargain in bad faith. Some insurance adjusters may attempt to use the same bad faith tactics and strategies that liability adjusters use if you make a UM/UIM claim. Those tactics may include: Refusing to admit liability when you’re struck by a hit and run driver Refusing to admit liability in clear cases such as when a drunk driver struck you – even when the driver has been convicted for driving under the influence Refusing to negotiate when the damages are clearly more than the insurance policy limits Refusing to negotiate fairly when an Uber or Lyft is involved in the accident The good news is that Oklahoma’s laws protecting drivers in UM/UIM claims are robust and driver-friendly. Insurance carriers are required to treat drivers fairly, allowing them to stack their coverage and make UM/UIM claims through your insurance and the other driver’s insurance. If your carrier wrongfully denies your claim, you could have a good case for a bad faith action.