Legal Opinion

Rotan v. Farmers Insurance Group of Companies, Inc.

Court of Civil Appeals of Oklahoma

Decided October 28, 2003No. 98,124PublishedCited by 82 opinions

1Opinion of the Court

Opinion by

JOHN F. REIF, Judge.

¶ 1 The question presented is whether an insurance agent and insurance company are hable to insureds who have requested “full coverage,” when the coverage provided pays the fair market value for a total loss of the insured vehicle, but does not cover the difference between the fair market value of the vehicle and the amount owed for the vehicle. The insureds have contended that the agent’s agreement to provide “full coverage” obligates the insurance company to pay their full loss, including the gap in value between fair market value and the amount owing for the…

2Cases cited3 opinions

  1. Weeks Ex Rel. Weeks v. Wedgewood Village, Inc.Supreme Court of Oklahoma · 1976
  2. Swickey v. Silvey CompaniesCourt of Civil Appeals of Oklahoma · 1999
  3. Mueggenborg v. EllisCourt of Civil Appeals of Oklahoma · 2002

3Cited by82 opinions

  1. Hernandez v. Liberty InsuranceDistrict Court, W.D. Oklahoma · 2014
  2. Cosper v. Farmers Insurance Co.Court of Civil Appeals of Oklahoma · 2013
  3. Vickers v. Progressive N. Ins. Co.District Court, N.D. Oklahoma · 2018
  4. Adair v. State Farm Fire and Casualty CompanyDistrict Court, W.D. Oklahoma · 2025
  5. Amanda Mason and Austin Mason v. State Farm Mutual Automobile Insurance Company and Brent Jenson Insurance Company, Inc.District Court, E.D. Oklahoma · 2026

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