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STATE OF OKLAHOMA
2nd Session of the 60th Legislature (2026)
HOUSE BILL 3792 By: Adams
AS INTRODUCED
An Act relating to insurance; providing a definition
of unlawfully operating a motor vehicle; prohibiting
first-party claimants who were unlawfully operating a
motor vehicle from collecting collision or
comprehensive claims; clarifying liability coverage
remains effective; permitting insurers to use
Department of Public Safety license status data;
providing for codification; and providing an
effective date.
BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
SECTION 1. NEW LAW A new section of law to be codified
in the Oklahoma Statutes as Section 7-117 of Title 47, unless there
is created a duplication in numbering, reads as follows:
A. As used in this act, the term "unlawfully operating a motor
vehicle" means driving without a valid Oklahoma or reciprocal-state
license, driving with a revoked or cancelled license, or using
fraudulent identification.
B. No first-party claimant may collect payment on collision or
comprehensive claims if at the time of the loss, the claimant was
unlawfully operating a motor vehicle.
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C. Nothing in this act shall prohibit payment of mandatory
liability coverage to innocent third parties for injury or property
damage.
D. Insurers shall be allowed to rely on official Department of
Public Safety license status data for claim determinations.
SECTION 2. This act shall become effective November 1, 2026.
60-2-14568 MJ 01/14/26