OK HB1084

Prohibits persons from soliciting or accepting assignments of post-loss insurance benefits for property damage under auto collision, comprehensive, residential, or commercial property insurance policies, declaring such assignment agreements null and void and unenforceable.

Creates exceptions allowing assignments to federally insured financial institutions, mortgagees, subsequent property purchasers, and assignments involving liability coverage.

Permits insureds to authorize or direct payment to service providers for covered services, materials, or items, and requires insurers to issue payments directly to providers when the insured agrees, subject to applicable liens.

Defines violations as unfair or deceptive trade practices subject to procedures and penalties under Title 36 of Oklahoma Statutes, while preserving attorney fee collection rights for property insurance claim actions.

Becomes effective November 1, 2025.