Court Opinion

ID: 9597096
Source: CourtListenerOpinion
Date Created: 2023-08-22 00:55:26.177416+00
Date Added: 2024-06-11T09:42:02.782219
License: Public Domain

ALMA WILSON, Justice,
concurring.
Under the auspices of 36 O.S.1981 § 3636, an insured may procure insurance coverage for himself, as well as others, by electing to pay a premium for injury suffered at the instance of an uninsured or underinsured negligent tortfeasor. Technical limitation on the liability of the negligent tortfeasor provides no basis under the statute for reducing the amount of coverage due those entitled to compensation by virtue of premiums paid under a contract of insurance. Otherwise, insureds would be incapable of protecting themselves to the extent they are required to provide protection to unknown individuals. I do not believe the statute authorizes denial of equal protection to those entitled to full compensation under an insurance contract depending upon the fortuitous identity of the negligent tortfeasor.