Oklahoma legislation · 2026 Regular Session
Oklahoma HB3303: Insurance; auto insurance; accident investigation process; Oklahoma Insurance Department; penalties; police reports; arbitration; effective date.
Status: In committee, February 5, 2026
What the bill says
An Act relating to insurance; directing auto insurers to submit accident investigation process to the Oklahoma Insurance Department; establishing penalties for noncompliance; directing insurers to pay claims according to police reports; allowing insurers to refute claims by filing with the Oklahoma Insurance Department for arbitration; creating penalty for violations; providing for codification; and providing an effective date.
From the introduced text, January 14, 2026:
An Act relating to insurance; directing auto insurers to submit accident investigation process to the Oklahoma Insurance Department; establishing penalties for noncompliance; directing insurers to pay claims according to police reports; allowing insurers to refute claims by filing with the Oklahoma Insurance Department for arbitration; creating penalty for violations; 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 1261 of Title 36, unless there is created a duplication in numbering, reads as follows: Any insurer who is authorized to write policies for auto insurance in the State of Oklahoma shall submit to the Oklahoma Insurance Department its accident investigation process by July 1, 2027, or upon initial application for licensure thereafter. Failure to comply with its investigation process shall result in a fine of up to Five Thousand Dollars ($5,000.00) for a first offense, nor less than Ten Thousand Dollars ($10,000.00) for a second offense. Req. No. 15418 Page Upon a third offense, and each subsequent offense thereafter, the insurer's privilege to write new business in Oklahoma shall be suspended for a ninety-day period. SECTION 2. NEW LAW A new section of law to be codified in the Oklahoma Statutes as Section …
Sponsors
- Jay Steagall (R, HD-043) · primary sponsor