Shown verbatim: the complete text as captured from the official PDF posted by the Oklahoma Legislature, fetched 2026-07-23. Page and line markers are part of the official record; nothing is edited or removed. The official bill page.
1 STATE OF OKLAHOMA
2 2nd Session of the 60th Legislature (2026)
3 HOUSE BILL 3788 By: Adams
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6 AS INTRODUCED
7 An Act relating to insurance; providing definition of
unlawfully operating a motor vehicle; prohibiting
8 first-party liability claims for driver who was
unlawfully operating the motor vehicle; clarifying
9 third-parties, passengers, and other nondrivers may
still collect on claims; permitting insurers to use
10 Department of Public Safety license status data;
providing for codification; and providing an
11 effective date.
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14 BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
15 SECTION 1. NEW LAW A new section of law to be codified
16 in the Oklahoma Statutes as Section 7-117 of Title 47, unless there
17 is created a duplication in numbering, reads as follows:
18 A. As used in this section, the term "unlawfully operating a
19 motor vehicle" means driving without a valid Oklahoma or reciprocal-
20 state license, or driving with a suspended, revoked, or cancelled
21 license, or using fraudulent identification.
22 B. No first-party liability insurance claims shall be paid to a
23 driver who was unlawfully operating a motor vehicle at the time of
24 the loss.
Req. No. 14368 Page 1
1 C. Nothing in this section shall be construed to mean that:
2 1. Third-parties may not collect compensation for injuries or
3 property damage; or
4 2. Passengers or other nondrivers may not collect compensation
5 for injuries or property damage.
6 D. Insurers may rely on official Department of Public Safety
7 license status data for determining whether a claimant was
8 unlawfully operating a motor vehicle at the time of loss.
9 SECTION 2. This act shall become effective November 1, 2026.
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11 60-2-14368 MJ 01/05/26
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Req. No. 14368 Page 2Every fact on this page links to its source, starting with the official bill record.