10th Circuit 011-impermissible UM-UIM exclusions-reply brief

Oklahoma law is not that approval of policy form by insurance commissioner means it is legally correct.

Insurance company incorrect that it may pursue counter-appeal without having filed one; even if it could, such ruling would be contrary to clear Oklahoma rulings.

Immaterial whether employer or employee paid premium.

Statute provides who must be insured under UM policy.

Insurance company suggests (but only in a footnote) that if it is wrong and has to pay something, it should only pay compulsory minimum limit ($25,000); it is wrong.