Federated’s UM exclusionary provision attempts to change policy provision of who is insured in contravention of 36 O.S. § 3636.
Federated’s citation to authority from outside jurisdictions is neither binding nor persuasive.
Federated cannot assume its UM policy framework is valid because Oklahoma Insurance Department approved its forms.
Plaintiff is entitled to full $1,000,000 in UM coverage.
Vehicle in which deceased was a passenger was uninsured.