Liability is not automatic. We must prove the four elements of negligence.
In Oklahoma civil law, you cannot recover compensation just because an accident happened. You must prove that the other party was "negligent."
Oklahoma follows "Modified Comparative Negligence." This means if you are found to be 51% or more at fault, you get nothing. If you are 50% or less at fault, your award is reduced by your percentage of fault. Insurance adjusters will try to pin at least 51% of the blame on you to avoid paying.