In Oklahoma, all car owners are required to have the following minimum insurance coverage on all their vehicles: Bodily Injury (BI) Liability for one person. BI liability insurance pays for the injury or death of another driver, a passenger, a pedestrian, or a bicycle rider who is injured in a car accident. This coverage also can be used for wrongful death claims. The minimum amount required for injuries or death of one person is $25,000. Bodily Injury Liability per accident. Car owners must have at least $50,000 in BI liability coverage to cover everyone who is injured or killed in a car accident. Property damage insurance. Car owners must have at least $25,000 to pay for the cost to repair or replace a car that was damaged due to the car owner’s fault. Payment for bodily injury includes all damages allowable under the law of Oklahoma. This includes medical bills including surgeries, doctor visits, therapy bills, and medications. BI insurance also includes pain and suffering and lost wages. All car owners should consider buying as much as BI liability insurance as possible. Just one night in a hospital can cost a victim tens of thousands of dollars.