OK HCR1014

Designates certain consumer protections as the Oklahoma Insurance Consumer Bill of Rights, recognizing rights established in Oklahoma Statutes and Administrative Rules.

Establishes consumer protections for property and casualty insurance including: protection against credit-based penalties, written notice of application acceptance/denial within 45 days, premium refunds for early cancellation, and penalty-free claim inquiries.

Guarantees claim handling protections including: insurer acknowledgment within 30 days of claim receipt, notification of claim acceptance/denial within 45 days, and insurer response to written communications within 30 days.

Provides homeowner-specific rights: penalty-free first claim after 45 days of coverage, no surcharge assessment for weather-related claims, and access to Market Assistance Association services for those having difficulty obtaining coverage.

Establishes automobile and motorcycle insurance consumer rights including: discounts for accident prevention courses, no-fault collision protections, protections against penalties for previous lower liability limits, and restrictions on consideration of traffic records over 3 years old or certain traffic charges.