OK HB3792

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

Prohibits first-party claimants from collecting payment on collision or comprehensive insurance claims if they were unlawfully operating the vehicle at the time of the loss

Preserves mandatory liability coverage payments to innocent third parties for injury or property damage regardless of the insured driver's license status

Authorizes insurers to use official Department of Public Safety license status data when making claim determinations

Effective date: November 1, 2026