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Hurt in a crash in Tulsa, with bills you can't cover?

Bills, missed work, an insurer already calling? Here are Oklahoma's claim numbers, your crash report and your deadline. Asking for a call is free, and you can say no.

General information, not legal advice. Updated November 10, 2026. Attorney review pending

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On this page
  1. What injury claims cost insurers in Oklahoma
  2. Real results from the Tulsa area
  3. Unpaid medical bills and uninsured drivers, where you live
  4. What do you need to do?
  5. How to get your Tulsa crash report.
  6. Oklahoma's time limit is two years, with exceptions.
  7. A calm list for the first three days.
  8. A free call-back, not a law firm.
  9. Sources

What claims cost

What injury claims cost insurers in Oklahoma

No source we found reports what claims cost insurers inside Tulsa itself, so the closest honest numbers are for all of Oklahoma. Each figure says what it is and where it comes from.

$381.4 millionin bodily injury liability losses insurers recorded for Oklahoma crashes (Table 8B: $381,364,584 across 20,452 claims), accidents in 2022Incurred losses: money paid plus the insurers' own estimates for claims still open, plus adjustment expenses. Private passenger auto, separate-limit bodily injury coverage only, so the true total is higher. This is what these claims cost insurers, not what injured people received.Source: NAIC (Table 8B, Bodily Injury Liability 2020-2022, Total Business, printed p. 42).
$18,647average insurer loss per bodily injury liability claim in Oklahoma ($18,646.81 exactly), accidents in 2022Incurred losses divided by incurred claims, so it is what a claim cost insurers on average, not what an injured person received. The countrywide figure in the same table is $28,918.86.Source: NAIC (Table 8D, Bodily Injury Liability 2020-2022, Total Business, printed p. 44).
$28,278Many claims are smallerwhat the average bodily injury liability claim cost insurers, 2024Private passenger auto, excluding Massachusetts and most no-fault states; some claims are far larger and many are smaller. It includes insurers' claim-handling costs, so injured people received less than this on average.Source: Triple-I / ISO.
$3.42 billionestimated total economic cost of motor vehicle crashes in Oklahoma (about $864 per person), 2019A cost estimate for the whole state, whoever paid. Not money paid to injured people. The national average was $1,035 per person.Source: NHTSA (Table 6-1, p. 100).
About these numbers
  • $381.4 million Incurred losses: money paid plus the insurers' own estimates for claims still open, plus adjustment expenses. Private passenger auto, separate-limit bodily injury coverage only, so the true total is higher. This is what these claims cost insurers, not what injured people received.
  • $18,647 Incurred losses divided by incurred claims, so it is what a claim cost insurers on average, not what an injured person received. The countrywide figure in the same table is $28,918.86.
  • $28,278 Private passenger auto, excluding Massachusetts and most no-fault states; some claims are far larger and many are smaller. It includes insurers' claim-handling costs, so injured people received less than this on average.
  • $3.42 billion A cost estimate for the whole state, whoever paid. Not money paid to injured people. The national average was $1,035 per person.

These are averages and totals across many claims. They describe what insurers and courts have done, not what any one claim is worth. Every case is different, and most claims end in a settlement, which is often far less than a headline verdict. CrashFirst is not a law firm and cannot tell you what your claim is worth.

Real examples

Real results from the Tulsa area

Past results do not predict yours.These are real, public results, picked to show a range rather than the biggest numbers. Each turned on its own facts. CrashFirst has no results of its own and does not say you would get anything like them.

  • When fault decides it · 2016 verdict

    A Tulsa County jury found the rider 69 percent at fault, and he recovered nothing (2009 crash, 2016 verdict).

    In Black v. Ferrellgas, a motorcyclist hurt in a March 2009 crash after swerving away from a truck (no contact) sued. “Nine jurors found Plaintiff was 69 percent contributorily negligent,” and “The trial court therefore entered judgment in favor of all Defendants.” The Oklahoma Court of Civil Appeals affirmed on December 19, 2017. Oklahoma bars recovery when the injured person’s share is greater than the other side’s.

    Source: Black v. Ferrellgas, 2018 OK CIV APP 38, 417 P.3d 1267 (Okla. Civ. App. Dec. 19, 2017), opinion text via HallApproved

  • Middle (older, neighboring county) · 2012

    A Rogers County jury awarded $85,000, less 30% comparative fault.

    In Dorsey v. Stone, a woman turning left in Locust Grove in October 2007 was broadsided by a driver passing across a double-yellow line. She complained of a cervical disc injury and a mild closed head injury. In March 2012 a jury awarded $85,000 less 30% comparative fault, which the reporter says exceeded the defendant's $50,000 policy limits. Rogers County is next to Tulsa County.

    Source: Oklahoma Jury Verdict Reporter, June 2012 (2 OKJVR 6): Dorsey v. Stone, No. 09-749, Rogers County District Court (p. 3: Verdict $85,000 for plaintiff less 30% comparative fault; Court: Rogers; Date: 3-7-12)

The problems here

Unpaid medical bills and uninsured drivers, where you live

When the other side has no insurance, or the bills keep coming before anything is settled, the money problem is real. These are the local numbers we could source.

8.2%of Oklahoma people with a credit record had medical debt in collections (median $1,558), Aug. 2026Only counts medical debt that reached collections and sits on a credit file. The national share was 3.0%.Source: Urban Institute (Oklahoma row, medcoll = .0816284; medcollpos_p50 = 1557.5).
6.3%of people in Tulsa County, OK with a credit record had medical debt in collections (median $1,347), Aug. 2026Only counts medical debt that reached collections and sits on a credit file. The national share was 3.0%.Source: Urban Institute (Tulsa County (FIPS 40143), medcoll = .0633937; medcollpos_p50 = 1346.5).
12.0%of Oklahoma drivers estimated to be uninsured, 2023The Insurance Research Council estimates this from insurance claims, not from a count of cars. The national estimate was 15.4%.Source: Triple-I / IRC (Estimated Percentage of Uninsured Motorists by State, 2023).
About these numbers
  • 8.2% Only counts medical debt that reached collections and sits on a credit file. The national share was 3.0%.
  • 6.3% Only counts medical debt that reached collections and sits on a credit file. The national share was 3.0%.
  • 12.0% The Insurance Research Council estimates this from insurance claims, not from a count of cars. The national estimate was 15.4%.
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What do you need to do?

I need to... Read
Know what to do right now What to do after a car accident in Tulsa
Get my Tulsa police or Oklahoma crash report Tulsa police crash report
Understand the Oklahoma time limit Oklahoma statute of limitations
Understand fault in Oklahoma Is Oklahoma a comparative negligence state?
Check insurance minimums Oklahoma minimum car insurance
Know whether I must report Oklahoma accident reporting requirements
See where serious crashes happen Most dangerous roads in Tulsa and the Tulsa Crash Report 2026

Crash report

How to get your Tulsa crash report.

  1. Find out who responded. City streets inside Tulsa are usually the Tulsa Police Department (TPD). For a crash on a state freeway, TPD says to call the Highway Patrol office nearest you. The officer's card or slip will say.
  2. Get the report or case number from the officer at the scene. If you don't have it, call the agency's non-emergency line (TPD: 918-596-9222) and give your name, the date and the place [1].
  3. If the Highway Patrol wrote it: Oklahoma collision reports are requested through Service Oklahoma, which sells them for $7.00 ($10.00 certified), by mail (PO Box 11415, Oklahoma City, OK 73136-0415) or in person (6015 N Classen Blvd., Oklahoma City). Email requests are not accepted [3] [3].
  4. Tulsa Police Records: open-records requests go through TPD's Public Records Center portal or by mail to Records Custodian, Tulsa Police Records, P.O. Box 1027, Tulsa, OK 74103; questions (918) 596-9286 [2].
What does TPD charge, and how long does it take?

TPD's records page does not list a fee or turnaround for report copies. Call (918) 596-9286 and ask. Service Oklahoma says collision reports may take up to 30 days to populate.

Full guide: how to get a Tulsa police crash report, with the form, the addresses and what to confirm before you pay.

The deadline

Oklahoma's time limit is two years, with exceptions.

In most Oklahoma injury cases a lawsuit has to be filed within two years after the cause of action accrued. The law is 12 O.S. § 95(A)(3), which covers "an action for injury to the rights of another, not arising on contract, and not hereinafter enumerated." [4]

There are exceptions.

A claim against a city, county or the state needs a written claim within one year of the loss. Wrongful death has its own two-year rule, and people under a legal disability can have extra time. Whether an exception applies to you is a question for an attorney.

Every Oklahoma deadline, with the statute text, is on our statute of limitations page. We're not lawyers. This is general information, not legal advice.

First 72 hours

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You ask for a call-back and a CrashFirst team member phones you about your request. We are not a law firm and cannot give legal advice. Participating attorneys pay CrashFirst a set fee for each connection, fixed when we connect you, and the fee does not change with the outcome of any case. See how we're paid.

Local facts

Crashes in Tulsa County, Oklahoma.

792People killed in Tulsa County crashes, 2015 to 2024NHTSA FARS, 2015-2024 analysis
84Traffic deaths in Tulsa County in 2024NHTSA FARS, 2015-2024 analysis
179Of those killed in 2015 to 2024 were people on footNHTSA FARS, 2015-2024 analysis

Counts differ by source because agencies define crashes differently. Deaths are only part of the picture; many more people are hurt. Our own full analysis: the Tulsa Crash Report 2026.

More in Tulsa

The state rules

Deadlines, fault and reports for all of Oklahoma are in the Oklahoma reference.

Keep reading

Sources

Unofficial copies come from a legal publisher, not the state. They can lag the current code, so check the official code before relying on a date or amount.

Page last updated November 10, 2026. Attorney review pending. General information, not legal advice. Fees, hours and rules change; confirm on the official page. How we source.

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