Bill > HB3802

This bill prohibits insurance companies from raising motor vehicle liability insurance premiums simply because a policyholder removes a deceased spouse from their policy, clarifying that this action should not be considered a significant change in risk that would justify a premium increase. However, the bill explicitly states that insurers can still increase premiums at renewal for other legitimate reasons, such as changes in the driver's record, past claims, chosen coverage, how much the vehicle is driven, where it's kept, or other factors supported by actuarial data, as well as general rate adjustments approved by the Oklahoma Insurance Department that affect a group of policyholders equally. Any premium increase made in violation of these new rules will be invalid, and the insurer will have to return any extra money collected. This new law will take effect on November 1, 2026.

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http://www.oklegislature.gov/BillInfo.aspx?Bill=hb3802&Session=2600