Insurance; unlawfully operating a motor vehicle; first-party claimants; collision or comprehensive claims; liability coverage; effective date.

HB 3792 denies insurance payment for collision or comprehensive claims if the claimant was unlawfully operating a vehicle at the time of the loss - defined as driving without a valid license, with a revoked/canceled license, or using fraudulent ID. This directly affects drivers making first-party claims for vehicle damage or theft. Insurers may verify license status using official Oklahoma Department of Public Safety data to determine claim eligibility. The bill explicitly preserves liability coverage for injuries or property damage to innocent third parties, ensuring payments to others remain unaffected.