SB 1913 Oklahoma Senate · 2026 Regular Session

Insurance; establishing provisions of dispute resolution system; establishing requirements for insurer to engage in mediation; prohibiting cancelation of certain policy; creating the Homeowners Claims Bill of Rights. Effective date.

SB 1913 establishes a mandatory mediation process for specific insurance disputes between policyholders and insurers in Oklahoma. It requires insurers to participate in mediation for residential/commercial property, home, or auto insurance claims that haven't yet entered civil court, after first being processed through the Insurance Department's complaint program. The bill mandates good-faith negotiation, allows policyholders to rescind settlements within 3 business days (if unrepresented), and makes signed settlements binding. Insurers violating these provisions face a $100 civil penalty. This directly affects policyholders filing eligible claims and insurers handling those disputes.

Bill status in committee 1 of 4 stages cleared

Introduction

Feb 2026

Committee Review

Floor Vote

Governor

Introduced Feb 2, 2026 Last action Mar 10, 2026

Maddy AI version diff · 2 comparisons

What changed between versions

Committee Substitute → Floor (Senate) · 4 edits

MODERATE

The bill was reformatted from a Committee Substitute version to a Senate Floor version, with the main substantive change being an increase in the civil penalty amount from $5,000 to $10,000 per violation under Section 322. The bill also adds new requirements for insurers to file quarterly supplemental reports on property insurance policies starting March 31, 2027, and clarifies dispute resolution consent procedures.

Scope change

The bill's scope remains focused on insurance regulation, dispute resolution, and penalty enforcement, but the penalty amounts and reporting requirements have been modified.

ENFORCEMENT

Increased civil penalty from $5,000 to $10,000 per violation for insurance regulation violations

REQUIREMENT

Added new requirement for insurers to file quarterly supplemental reports on personal and commercial property insurance policies starting March 31, 2027

Added specific requirements for written consent in dispute resolution proceedings including rights, obligations, and confidentiality provisions

TECHNICAL

Reformatted document structure from Committee Substitute to Senate Floor version with updated page numbering and headers

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Mar 5, 2026

Upper · Passed

Reported Do Pass, amended by committee substitute Business and Insurance committee; CR filed

upper

Feb 2, 2026

Introduced

First Reading

upper

2 primary · 0 co-sponsors