Oklahoma HB3802 prohibits insurers from raising motor vehicle liability premiums solely due to the removal of a deceased spouse from the policy.

Oklahoma HB3802 introduces a new law to prevent insurers from increasing motor vehicle liability insurance premiums based solely on the removal of a deceased spouse from the policy. The bill clarifies that such removal should not be treated as a material change in risk for underwriting or rating purposes. It also specifies that insurers may still increase premiums at renewal for other reasons, but any increase due to the removal of a deceased spouse would be void. The act is set to become effective November 1, 2026.

Oklahoma HB3802 prohibits insurers from raising motor vehicle liability premiums solely due to the removal of a deceased spouse from the policy.

Oklahoma HB3802 introduces a new law to prevent insurers from increasing motor vehicle liability insurance premiums based solely on the removal of a deceased spouse from the policy. The bill clarifies that such removal should not be treated as a material change in risk for underwriting or rating purposes. It also specifies that insurers may still increase premiums at renewal for other reasons, but any increase due to the removal of a deceased spouse would be void. The act is set to become effective November 1, 2026.