Title 36, Title 36 — Insurance

claim. A. Within sixty (60) days after receipt by a property and casualty insurer of properly executed proofs of loss, the first party claimant shall be advised of the acceptance or denial of the claim by the insurer, or if further investigation is necessary. No property and casu…

A. If an insurance policy or insurance contract provides for the adjustment and settlement of first party motor vehicle total losses, on the basis of actual cash value or replacement with another of like kind and quality, one of the following methods shall apply: 1. An insurer ma…

A. If the Insurance Commissioner determines, based on an investigation of complaints of unfair claim settlement practices, that an insurer has engaged in unfair claim settlement practices with such frequency as to indicate a general business practice and that such insurer should …

Act. This act shall be known and may be cited as the “Oklahoma Motor Vehicle Consumer Protection Act”. Added by Laws 2025, c. 407, § 1, eff. Nov. 1, 2025.

As used in this act: 1. “Administrative charges” shall include, but not be limited to, the cost of: a. file creation, b. repair orders, c. vehicle travel on a customary standard drivable rolling vehicle, d. vehicle identification, e. software charges, f. communication with vehicl…

vehicle limit. A. Upon the effective date of this act, the hourly market rate for labor for administrative charges as defined in Section 2 of this act, as the rate relates to total loss vehicles, shall be in accordance with the prevailing market price determined pursuant to subse…

A. The maximum daily storage rate allowed to be charged by an auto body repair shop and mandatory reimbursement rates for insurers for a motor vehicle total loss for each calendar day, for the first ten (10) calendar days the vehicle is in the possession of the shop, shall be Thi…

As used in this act, the term: 1. "Exchange" means a state, federal, or partnership exchange or marketplace operating in Oklahoma pursuant to Section 1311 or Section 1321 of the federal act; 2. "Federal act" means the federal Patient Protection and Affordable Care Act (Public Law…

Violations. A. No navigator shall provide assistance with regard to health benefit plans as a navigator in this state under the provisions of the federal act unless registered in accordance with this act. The Insurance Commissioner must maintain a registry of navigators. B. An in…

A. Violation of any provision of Title 36 of the Oklahoma Statutes or the federal Patient Protection and Affordable Care Act, including any act or omission that would be a ground for denial, suspension or revocation of the license of an insurance producer under the Oklahoma Produ…

The Insurance Commissioner shall be authorized to adopt rules and regulations to effect the implementation of this act. Added by Laws 2014, c. 321, § 4, eff. Sept. 1, 2014.

A. There is hereby authorized the creation and submission of a State Innovation Waiver for the purpose of creating Oklahoma health insurance products that improve health and healthcare quality while controlling costs. B. The State Innovation Waiver may include multiple waiver sub…

A. This act shall be known and may be cited as the "Oklahoma Producer Licensing Act". B. This act governs the qualifications and procedures for the licensing of insurance producers. It simplifies and organizes statutory language to improve efficiency, permits the use of new techn…

A. The following are exempt from the requirement for an examination, if the Insurance Commissioner determines, in accordance with rules adopted by the Commissioner, that the applicant is cognizant of and capable of fulfilling the responsibilities of the license: 1. Any limited li…

An insurance producer doing business under any name other than the producer's legal name is required to notify the Insurance Commissioner prior to using the assumed name. Added by Laws 2001, c. 156, § 11, eff. Nov. 1, 2001.

insureds and public. A. The Insurance Commissioner may issue a temporary license for a period not to exceed one hundred eighty (180) days without requiring an examination if the Insurance Commissioner deems that the temporary license is necessary for the servicing of an insurance…

license – Probation and censure – Grounds – Notice – Fines. A. The Insurance Commissioner may place on probation, censure, suspend, revoke or refuse to issue or renew a license issued pursuant to the Oklahoma Producer Licensing Act or may levy a civil penalty in accordance with s…

duties - Violation - Punishment. A. The provisions of this section shall apply only to property and casualty insurance producers. All premiums belonging to insurers and all unearned premiums belonging to insureds received by an insurance producer licensee under this article shall…

brokerage or other valuable consideration – Recipient to be licensed. A. An insurance company or insurance producer shall not pay a commission, service fee, brokerage or other valuable consideration to a person for selling, soliciting or negotiating insurance in this state if tha…

of appointment - Discrimination among producers - Penalties. A. An insurance producer shall not act as an agent of an insurer unless the insurance producer becomes an appointed agent of that insurer. An insurance producer who is not acting as an agent of an insurer is not require…

other business relationship – Notification – Immunity from liability – Confidentiality – Final adjudicated actions. A. An insurer or authorized representative of the insurer that terminates the appointment, employment, contract or other insurance business relationship with a prod…

Reciprocity – Continuing education requirements. A. The Insurance Commissioner shall waive any requirements for a nonresident producer license applicant with a valid license from the applicant’s home state, except the requirements imposed by Section 9 of this act, if the applican…

against producer – Duty to report to Commissioner. A. Whether an applicant for, a person licensed as or a person seeking a renewal for a producer license, that person shall report to the Insurance Commissioner any administrative action taken against that person in another jurisdi…

The Insurance Commissioner may, in accordance with Section 307.1 of Title 36 of the Oklahoma Statutes, promulgate reasonable rules as are necessary or proper to carry out the purposes of the Oklahoma Producer Licensing Act. Added by Laws 2001, c. 156, § 19, eff. Nov. 1, 2001.

As used in the Oklahoma Producer Licensing Act: 1. "Commissioner" means the Insurance Commissioner; 2. "Business entity" means a corporation, association, partnership, limited liability company, limited partnership, or other legal entity; 3. "Customer service representative" mean…

Travel accident and baggage policies. A. A limited lines producer may receive qualification for a license in one or more of the following categories: 1. Prepaid legal liability insurance, which means the assumption of an enforceable contractual obligation to provide specified leg…

A. As used in this section: 1. "Self-service storage insurance" means personal property insurance offered to occupants of a self-service storage facility in connection with and incidental to the rental of space at the self- service storage facility. Self-service storage insurance…

prohibited. A. The Commissioner shall not grant, renew, continue, or permit to continue any license if the Commissioner finds that the license is being or will be used by the applicant or licensee for the purpose of writing controlled business. "Controlled business" means: a. ins…

1. Prior to issuance of a license as a surplus lines insurance broker, the applicant shall file with the Commissioner and thereafter, for as long as the license remains in effect, shall keep in force a bond in an amount of not less than Five Thousand Dollars ($5,000.00) and not m…

A. All applications shall be accompanied by the applicable fees. An appointment may be deemed by the Commissioner to have terminated upon failure by the insurer to pay the prescribed renewal fee. The Commissioner may also by order impose a civil penalty equal to double the amount…

A. It shall be unlawful for any person whose license to act as an insurance producer, limited lines producer, managing general agent, or surplus lines insurance broker has been suspended, revoked, surrendered, or refused to do or perform any of the acts of an insurance producer, …

If an insurance producer or insurance producers choose to use a facsimile signature stamp in their business, such stamp shall be proof that the producer or producers have authorized the signing of any documents relating to the business of insurance. Added by Laws 2001, c. 156, § …

interest. It shall be unlawful for any insurance producer to receive an ownership interest in any policy, by assignment or otherwise, unless the insurance producer has an insurable interest in the life of the insured. Added by Laws 2001, c. 156, § 28, eff. Nov. 1, 2001.

A. 1. Each insurance producer, with the exception of title producers and aircraft title producers or any other producer exempt by rule, shall, biennially, complete not less than twenty-one (21) clock hours of continuing insurance education. Such education may include a written or…

A. Every insurance producer, as defined pursuant to paragraph 7 of Section 1435.2 of this title, or limited lines producer who solicits or negotiates an application for insurance of any kind shall, in any controversy between the insured or the insured's beneficiary and the insure…

No life insurance company doing business in the State of Oklahoma shall charge a fee in excess of ten percent (10%) on any agent's renewals collected by said life insurance company. Added by Laws 1984, c. 173, § 2, emerg. eff. May 7, 1984. Renumbered from § 1424.1 of this title b…

of license. A. The name, mailing address of the licensee, expiration date, the line or lines of insurance coverage by the license, and such other information as the Commissioner deems proper for inclusion in the license shall be indicated on the license. B. All licenses issued pu…

A. If the Insurance Commissioner finds that the applicant has not fully met the requirements for licensing, the Commissioner shall refuse to issue the license and promptly notify the applicant and the appointing insurer, when applicable, in writing, of the denial, stating the gro…

negotiating - Waiver of penalty. A. A person shall not sell, solicit, or negotiate insurance in this state for any class or classes of insurance unless the person is licensed for that line of authority in accordance with the Oklahoma Producer Licensing Act. B. A penalty for selli…

A. An insurer shall provide to any insurance producer authorized to sell life, accident or health insurance products, whose appointment has been terminated for any reason other than the reasons set forth in Section 1435.13 of this title, information relating to the policy of the …

A. Nothing in the Oklahoma Producer Licensing Act shall be construed to require an insurer to obtain an insurance producer license. In this section, the term "insurer" does not include an insurer's officers, directors, employees, subsidiaries or affiliates. B. A license as an ins…

A. A resident individual applying for an insurance producer license shall pass a written examination unless exempt pursuant to Section 1435.10 of this title. The examination shall test the knowledge of the individual concerning the lines of authority for which application is made…

producer licenses - Requirements for approval. A. A person applying for a resident insurance producer license shall make application to the Insurance Commissioner on the Uniform Application or an application approved by the Commissioner and declare under penalty of refusal, suspe…

- Reinstatement - Contracting by Insurance Commissioner with nongovernmental entities. A. Unless denied licensure pursuant to Section 1435.13 of this title, persons who have met the requirements of Sections 1435.6 and 1435.7 of this title shall be issued an insurance producer lic…

A. Unless denied licensure pursuant to Section 1435.13 of this title, a nonresident person shall receive a nonresident producer license if: 1. The person is currently licensed as a resident and in good standing in that person's home state; 2. The person has submitted the proper r…

Sections 1 through 13 of this act shall be known and may be cited as the "Third-party Administrator Act". Added by Laws 1983, c. 89, § 1, eff. Nov. 1, 1983.

associations exempted from act. The provisions of Section 1441 et seq. of this title shall not apply to administrators of group self-insurance associations created pursuant to Section 103 of Title 85A of the Oklahoma Statutes. Added by Laws 1988, c. 164, § 1, emerg. eff. May 18, …

As used in the Third-party Administrator Act, Section 1441 et seq. of this title: 1. "Administrator" means any person who collects premiums for an insurer or trust or who adjusts or settles claims for an insurer or trust, in connection with life or health insurance coverage, annu…

inspection of records. A. No person shall act as an administrator without a written agreement between that person and an insurer. The written agreement shall be retained as part of the official records of both the insurer and the administrator for the duration of the agreement an…

If an insurer or trust utilizes the services of an administrator pursuant to the terms of a written agreement, the payment to the administrator of any premiums or charges for insurance by or on behalf of the insured shall be deemed to have been received by the insurer or trust. T…