Title 36 — Title 36 — Insurance
0 chapters · 2,025 sections in this title.
36 O.S. § 906 Repealed by Laws 1987, c. 210, § 38, eff. July 1, 1987
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36 O.S. § 906 Repealed by Laws 1987, c. 210, § 38, eff. July 1, 1987
36 O.S. § 907 Repealed by Laws 2024, c. 345, § 18, eff. Nov. 1, 2024
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36 O.S. § 907 Repealed by Laws 2024, c. 345, § 18, eff. Nov. 1, 2024
36 O.S. § 907.1 Monitoring and examination of rates
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A. The Insurance Commissioner shall monitor and examine the adequacy of rates of any insurer and advisory organization in this state. In so doing, the Commissioner shall: 1. Utilize existing relevant information, analytical systems and other sources; or 2. Cause or participate in…
36 O.S. § 908 Administrative penalties
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The Insurance Commissioner may, if the Commissioner finds that any person or organization has violated the provisions of any statute, rule, or order for which the Commissioner has jurisdiction, impose a penalty of not more than Five Thousand Dollars ($5,000.00) for each such viol…
36 O.S. § 924.1 Automobile or motorcycle accident prevention course for
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certain individuals - Reduction of premium charges. A. Any schedule of rates or rating plan for automobile or motorcycle liability and physical damage insurance submitted to or filed with the Insurance Commissioner shall provide for an appropriate reduction in premium charges for…
36 O.S. § 924.2 Rating plans for workers' compensation self-insureds -
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Reduced premium charges for successful participation in occupational safety and health programs - Qualification - Certificate - Records. A. Any rate, schedule of rates or rating plan for workers' compensation insurance submitted to or filed with the Insurance Commissioner, or fix…
36 O.S. § 924.3 Appeals of rating classifications
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The Insurance Commissioner shall adopt rules and regulations creating a procedure for an employer to appeal its rating classification for workers' compensation insurance to the Commissioner. Any hearings pursuant to this procedure shall be subject to the Administrative Procedures…
36 O.S. § 924.4 Repealed by Laws 2015, c. 298, § 29, eff. Nov. 1, 2015
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36 O.S. § 924.4 Repealed by Laws 2015, c. 298, § 29, eff. Nov. 1, 2015
36 O.S. § 924.5 Repealed by Laws 2015, c. 298, § 29, eff. Nov. 1, 2015
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36 O.S. § 924.5 Repealed by Laws 2015, c. 298, § 29, eff. Nov. 1, 2015
36 O.S. § 928 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
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36 O.S. § 928 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
36 O.S. § 929 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
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36 O.S. § 929 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
36 O.S. § 930 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
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36 O.S. § 930 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
36 O.S. § 931 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
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36 O.S. § 931 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
36 O.S. § 932 Joint underwriting or joint reinsurance
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A. Every group, association or other organization of insurers which engages in joint underwriting or joint reinsurance, shall be subject to regulation with respect thereto, as herein provided, subject, with respect to joint underwriting, to all other provisions of this act, and w…
36 O.S. § 933 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
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36 O.S. § 933 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
36 O.S. § 934 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
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36 O.S. § 934 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
36 O.S. § 935 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
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36 O.S. § 935 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
36 O.S. § 936 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
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36 O.S. § 936 Repealed by Laws 2006, c. 264, § 82, eff. July 1, 2006
36 O.S. § 937 Hearing on order or decision by Commission made without a
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hearing - Appeal to Supreme Court. A. Any insurer or advisory organization aggrieved by any order or decision of the Insurance Commissioner, made without a hearing, may, within thirty (30) days after notice of the order to the insurer or organization, make written request to the …
36 O.S. § 940 Inquiry regarding making claim – Prohibited acts
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No insurer that issues any type of property or casualty insurance policy in this state shall increase premium rates, cancel a policy, or refuse to issue or renew a policy solely on the basis of a policyholder inquiring about making a claim, if the policyholder does not in fact su…
36 O.S. § 941 Certain cancellation, refusal to renew or increase of
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premium rate for motor vehicle liability or collision insurance policies prohibited - Exemptions. A. No insurance carrier who issues motor vehicle insurance policies in this state shall assign driving record points, cancel, refuse to issue or renew, or charge a higher premium rat…
36 O.S. § 941.2 Motor vehicle liability policies – Provision relating to
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financial responsibility limits of another state or province. Every motor vehicle liability insurance policy approved by the Insurance Commissioner shall include a provision providing that the financial responsibility limits of another state or province shall be met if so require…
36 O.S. § 942 Motor vehicle liability or collision policies - Traffic
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record as basis of determination - Penalties. Any insurance carrier that issues motor vehicle liability or collision insurance policies in this state shall not establish or apply premium rates, increase premium rates, cancel a policy, or refuse to issue or renew a policy, based o…
36 O.S. § 943 Motor vehicle policies - Insurers prohibited from
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canceling, increasing premium rates or refusing to issue or renew policy based on traffic charges under certain circumstances. A. No insurance carrier who issues motor vehicle policies in this state shall use traffic complaints, traffic citations or other legal forms of traffic c…
36 O.S. § 944 Motor vehicle policies - Restriction on cancellation or
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increasing rates. No insurer shall, directly or indirectly, use traffic tickets or convictions for traffic offenses as a basis for cancellation of automobile insurance policies or increasing insurance premium rates for automobile insurance policies where such ticket or conviction…
36 O.S. § 950 Short title
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This act shall be known and may be cited as the “Use of Credit Information in Personal Insurance Act”. Added by Laws 2003, c. 127, § 1, eff. Nov. 1, 2003.
36 O.S. § 951 Application of act
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This act shall apply to personal insurance and not to commercial insurance. This act shall apply to personal insurance policies either written to be effective or renewed on or after nine (9) months following the effective date of this act. Added by Laws 2003, c. 127, § 2, eff. No…
36 O.S. § 952 Definitions
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As used in this act: 1. “Adverse action” means a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of p…
36 O.S. § 953 Use of credit information - Prohibited acts
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An insurer authorized to do business in this state that uses credit information to underwrite or rate risks, shall not: 1. Use an insurance score that is calculated using income, gender, address, zip code, ethnic group, religion, marital status, or nationality of the consumer as …
36 O.S. § 953.1 Exceptions by insurers to certain events influencing
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credit information – Request by insured or applicant. A. Notwithstanding any other law or regulation, an insurer that uses credit information shall, upon written request from an applicant for insurance coverage or an insured upon a form provided by the Insurance Commissioner, pro…
36 O.S. § 954 Reunderwriting and rerating of insured - Refund of
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overpayment. If it is determined through the dispute resolution process set forth in the federal Fair Credit Reporting Act, 15 USC 1681i(a)(5), that the credit information of a current insured was incorrect or incomplete and if the insurer receives notice of such determination fr…
36 O.S. § 955 Disclosure statement
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A. If an insurer writing personal insurance uses credit information in underwriting or rating a consumer, the insurer or its agent shall disclose, either on the insurance application or at the time the insurance application is taken, that it may obtain credit information in conne…
36 O.S. § 956 Adverse action based upon credit information -
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Notification to consumer. If an insurer takes an adverse action based upon credit information, the insurer shall: 1. Provide notification to the consumer that an adverse action has been taken, in accordance with the requirements of the federal Fair Credit Reporting Act, 15 USC 16…
36 O.S. § 957 Filing of scoring models or other scoring processes
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A. Insurers that use insurance scores to underwrite and rate risks must file their scoring models or other scoring processes with the Insurance Department. A third party may file scoring models on behalf of insurers. A filing that includes insurance scoring may include loss exper…
36 O.S. § 958 Indemnification of agents
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An insurer shall indemnify, defend, and hold agents harmless from and against all liability, fees, and costs arising out of or relating to the actions, errors, or omissions of an agent who obtains or uses credit information or insurance scores for an insurer, provided the agent f…
36 O.S. § 959 Sale of data or lists by consumer reporting agencies
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A. No consumer reporting agency shall provide or sell data or lists that include any information that in whole or in part was submitted in conjunction with an insurance inquiry about a consumer’s credit information or a request for a credit report or insurance score. Such informa…
36 O.S. § 961 Premium discount or rate reduction for resistance to
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tornado or other wind events. A. Commencing on April 1, 2018, insurance companies shall provide a premium discount or insurance rate reduction in an amount and manner as established in subsection D of this section and pursuant to Section 3 of this act only when the company determ…
36 O.S. § 962 Premium discount or rate reduction for resistance to
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tornado or other wind events for retrofit properties. A. Commencing on April 1, 2018, insurance companies shall provide a premium discount or insurance rate reduction in an amount and manner as established in subsection D of this section and pursuant to Section 3 of this act only…
36 O.S. § 963 Insurable property defined
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For the purposes of this act, the term "insurable property" includes single-family residential property. Insurable property also includes modular homes satisfying the codes, standards or techniques as provided in Section 1 or 2 of this act. Manufactured homes or mobile homes are …
36 O.S. § 964 Applicability date
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This act shall only apply to new insurance policies written, or existing policies renewed, on or after April 1, 2018. Added by Laws 2017, c. 349, § 4, eff. Nov. 1, 2017.
36 O.S. § 965 Promulgation of rules to implement and administer the act
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The Insurance Commissioner shall promulgate such rules as are necessary to implement and administer this act; however, the Commissioner shall not suggest, set or otherwise impose any standard discount amount, target or benchmark under this act. Added by Laws 2017, c. 349, § 5, ef…
36 O.S. § 971 Short title — Strengthen Oklahoma Homes Act
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This act shall be known and may be cited as the "Strengthen Oklahoma Homes Act". Added by Laws 2024, c. 293, § 1, eff. Nov. 1, 2024.
36 O.S. § 972 Strengthen Oklahoma Homes (SOH) Program
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A. There is hereby established within the Department of Insurance the Strengthen Oklahoma Homes (SOH) Program, to continue until November 1, 2027. B. This act does not create an entitlement for property owners or obligate the state in any way to fund the inspection, construction,…
36 O.S. § 973 Grant eligibility — Applications — Fund use
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A. To be eligible for a grant, residential property owners applying for a grant must be able to meet the eligibility requirements as set forth by the Insurance Department for each grant type. These requirements shall include, but not be limited to, the following: 1. The residenti…
36 O.S. § 974 IBHS certified contractor required
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A. Under the Strengthen Oklahoma Homes (SOH) Program, a residential property owner shall hire an IBHS certified contractor who is capable of performing work that satisfies the standards prescribed by this act and the rules adopted thereto. B. The Insurance Department shall not en…
36 O.S. § 975 Evaluator requirements
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To be eligible to work on a project funded by the Strengthen Oklahoma Homes (SOH) Program as an evaluator, the evaluator shall meet all program requirements, including, but not limited to, those listed in this section, and maintain a current copy of all applicable certificates an…
36 O.S. § 976 Strengthen Oklahoma Homes Revolving Fund
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A. There is hereby created in the State Treasury a revolving fund for the Insurance Department, to be designated the "Strengthen Oklahoma Homes Revolving Fund". The fund shall be a continuing fund, not subject to fiscal year limitations, and shall consist of any monies deposited …
36 O.S. § 981 Short title and purposes of act
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Short Title and Purposes of Act. A. Sections 981 through 998 of this title and Sections 22, 23 and 24 of this act shall constitute a part of the Oklahoma Insurance Code and shall be known and may be cited as the "Property and Casualty Competitive Loss Cost Rating Act". B. The pur…
36 O.S. § 982 Definitions
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Definitions. As used in the Property and Casualty Competitive Loss Cost Rating Act: 1. "Accepted actuarial standards" means the standards adopted by the Casualty Actuarial Society Statement of Principles regarding property and casualty ratemaking or the Standards of Practice adop…
36 O.S. § 983 Scope of act
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The Property and Casualty Competitive Loss Cost Rating Act applies to all forms of property and casualty insurance written in this state by insurers licensed in this state. The Property and Casualty Competitive Loss Cost Rating Act shall not apply to: 1. Reinsurance; 2. Life insu…