OklahomaHB 1084Oklahoma 2026 Regular SessionHouse

Insurance; assignment of benefits; prohibited activity; effective date.

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 1 benefits, 0 costs, 1 mixed.

Insurers must pay providers with consent

Beginning November 1, 2025, Oklahoma requires insurers to pay providers directly when the insured agrees. The payment must cover services, materials, or other items covered by the policy. Payments remain subject to applicable liens, meaning legal claims against the payment still apply. This changes who receives the money, not how much the policy covers. The law also leaves attorneys free to collect fees for actions related to property insurance claims.

New limits on insurance claim transfers

Beginning November 1, 2025, Oklahoma bans seeking or accepting transfers of benefits after a loss under auto collision, comprehensive, home, or commercial property insurance. This includes transferring claim rights or proceeds to or from providers handling claims, inspecting damage, or protecting or repairing property. Banned agreements cannot be enforced, and violations trigger insurance-law procedures and penalties for unfair or deceptive trade practices. Exceptions cover transfers to federally insured financial institutions, mortgage lenders, or later buyers of the property. The ban does not apply to liability coverage under these policies.

Sponsors & Cosponsors

Sponsor

Mark Tedford
Republican • House

Cosponsors

Aaron Reinhardt
Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 256 • No: 2

House vote • 5/21/2025

FOURTH READING

Yes: 91 • No: 0

Senate vote • 5/7/2025

THIRD READING

Yes: 42 • No: 0

Senate vote • 4/24/2025

Committee vote: Business & Insurance

Yes: 8 • No: 1

House vote • 3/10/2025

THIRD READING

Yes: 92 • No: 1

House vote • 2/27/2025

DO PASS

Yes: 16 • No: 0

House vote • 2/11/2025

DO PASS

Yes: 7 • No: 0

Actions Timeline

Becomes law without Governor's signature 05/29/2025
5/29/2025House
Sent to Governor
5/22/2025House
Enrolled measure signed, returned to House
5/22/2025Senate
Enrolled, signed, to Senate
5/22/2025House
Referred for enrollment
5/21/2025House
Fourth Reading, Measure passed: Ayes: 91 Nays: 0
5/21/2025House
SA's read, adopted
5/21/2025House
SA's received
5/8/2025House
Engrossed to House
5/8/2025Senate
Referred for engrossment
5/7/2025Senate
Measure passed: Ayes: 42 Nays: 0
5/7/2025Senate
General Order, Amended
5/7/2025Senate
Placed on General Order
4/29/2025Senate
Reported Do Pass as amended Business and Insurance committee; CR filed
4/24/2025Senate
Second Reading referred to Business and Insurance
4/1/2025Senate
First Reading
3/11/2025Senate
Engrossed, signed, to Senate
3/11/2025House
Referred for engrossment
3/10/2025House
Third Reading, Measure passed: Ayes: 92 Nays: 1
3/10/2025House
General Order
3/10/2025House
Authored by Senator Reinhardt (principal Senate author)
2/27/2025House
CR; Do Pass, amended by committee substitute Commerce and Economic Development Oversight Committee
2/27/2025House
Policy recommendation to the Commerce and Economic Development Oversight committee; Do Pass, amended by committee substitute Insurance
2/17/2025House
Referred to Insurance
2/4/2025House
Second Reading referred to Commerce and Economic Development Oversight
2/4/2025House

Bill Text

Enrolled (final version)
5/22/2025
PDF
Amended And Engrossed
5/8/2025
PDF
Floor (Senate)
4/28/2025
PDF
Senate Committee Report
4/24/2025
PDF
Engrossed
3/11/2025
PDF
Floor (House)
3/3/2025
PDF
House Committee Report
2/27/2025
PDF
House Committee Substitute
2/27/2025
PDF
House Policy Committee Report
2/17/2025
PDF
Introduced
1/8/2025
PDF

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