The Hicks Legal Journal
Insurance Articles
Bad faith tactics, claim delays, coverage disputes, and serious injury insurance claims. Use these articles to understand the records, deadlines, and litigation pressure points that can shape a serious Oklahoma case.
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One Claim Is Not a Statewide Case
State Farm v. Palumbo explains why an Oklahoma homeowners’ insurance dispute could not be transformed through intervention into a statewide enforcement case, while leaving the underlying hail-loss and bad-faith allegations undecided.
One Event, Two Different Injuries
In Richards v. Foremost Insurance Co., the Oklahoma Supreme Court held that physical damage to a mobile home and losses tied to the absence of expected insurance protection were not the same injury for contribution under 12 O.S. § 832. The Court left the broader several-liability question undecided.
When the Insurer's Engineer Enters the Claim
A 2026 Oklahoma Supreme Court decision holds that an insurer-retained engineering company acted as the insurer's representative during a claim inspection, barring tortious-interference and civil-conspiracy claims against it on the pleaded facts. The opinion also preserves the insurer's non-delegable duties and a dissent's warning about intentional conduct.
The Policy Layer Behind the Loss
A 2026 Oklahoma Supreme Court decision explains how policy language determines the order in which primary and excess liability insurance responds, and why a prevailing insurer could not recover statutory prejudgment interest in this dispute between carriers.
Reviewing Early Settlement Offers
Early settlement offers should be reviewed against medical prognosis, future care, release language, and available insurance coverage.
Insurance Delay, Denial, and Low Offers After a Serious Injury
How claim notes, denial letters, payment history, medical records, and changing explanations can matter in an Oklahoma bad-faith insurance claim.