OK HB3788

Prohibits insurers from paying first-party liability insurance claims to drivers who were unlawfully operating a motor vehicle at the time of the loss

Defines "unlawfully operating a motor vehicle" as driving without a valid Oklahoma or reciprocal state license, driving with a suspended/revoked/cancelled license, or using fraudulent identification

Preserves the right of third-parties, passengers, and other nondrivers to collect compensation for injuries or property damage regardless of the driver's license status

Authorizes insurers to use official Department of Public Safety license status data to determine whether a claimant was unlawfully operating a vehicle

Effective date: November 1, 2026