Oklahoma Motor Vehicle Insurance Dispute Settles, Amount Undisclosed
One driver purchased a health insurance policy. Later, this driver was involved in a motor vehicle crash and sustained serious injuries. The insurance company refused to provide coverage for the crash, stating the policy was not eligible or was cancelled. The driver claimed the refusal to honor the policy forced them to pay medical bills out of pocket. The driver filed a lawsuit against the insurance company for breach of contract and bad faith dealing. The parties eventually settled the case.
Case Information Updated: October 2025
Case Outcome
- Outcome
- Settlement
- Amount
- Undisclosed
- County
- Dallas County, OK
- Resolved
- 2017
Injury & Accident Details
- Injury Type
- Other
- Accident Type
- Other
- Case Type
- Motor Vehicle Negligence
Case Overview
A policyholder purchased health insurance effective May 26, 2014. On September 30, 2014, the policyholder was involved in a motor vehicle crash, sustaining serious injuries and incurring over $123,200 in medical bills. In July 2015, the insurer denied coverage for the crash, stating the policyholder was ineligible at the time of the accident. The insurer later informed the policyholder that the policy was canceled due to "pre-existing conditions." The policyholder claimed this refusal forced him to pay $66,812.33 out-of-pocket for medical expenses.
The policyholder filed a complaint in the U.S. District Court for the Western District of Oklahoma, alleging breach of contract and bad faith dealing, and seeking damages. The defendant insurer asserted defenses including unclean hands, fraudulent inducement, deceit, and rescission of contract. The parties subsequently settled the case. A federal judge entered an order in August 2017, administratively closing the case without prejudice due to the compromise, and the parties later filed a joint stipulation of dismissal with prejudice.
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