Okla. Stat. » Title 36 — INSURANCE
Oklahoma Statutes

Okla. Stat. tit. 36, § 1250.3 (2026)

Application of law; conditions under which acts

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constitute unfair claims settlement practices. A. The provisions of the Unfair Claims Settlement Practices Act shall apply to all claims arising under an insurance policy or insurance contract issued by any insurer. B. It is an unfair claim settlement practice for any insurer to commit any act set out in Section 1250.5 of this title, or to commit a violation of any other provision of the Unfair Claims Settlement Practices Act, if: 1. It is committed flagrantly and in conscious disregard of this act or any rules promulgated hereunder; or

2. It has been committed with such frequency as to indicate a general business practice to engage in that type of conduct. Added by Laws 1986, c. 315, § 11, emerg. eff. June 24, 1986. Amended by Laws 1992, c. 74, § 4, eff. Sept. 1, 1992; Laws 1994, c. 342, § 3, eff. Sept. 1, 1994. Renumbered from § 1227 of this title by Laws 1994, c. 342, § 20, eff. Sept. 1, 1994. Amended by Laws 1997, c. 5, § 2, emerg. eff. March 25, 1997.

Notes of Decisions
Cited in 4 cases (4 in the last 5 years), 2021–2026 · leading case: Graves v. Travelers Prop. Cas. Co. of Am., No. 4:18-cv-00416 (N.D. Okla. Mar. 1, 2021).
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Graves v. Travelers Prop. Cas. Co. of Am., No. 4:18-cv-00416 (N.D. Okla. Mar. 1, 2021). “” See Okla. Stat. tit. 36, §§ 1250.3 , 1250.5. Although the Act does not provide a private right of action, and a statutory violation does not establish bad faith per se, the statute provides a useful guide when determining whether an insurer’s conduct was unreasonable and…”
Curtis v. Progressive N. Ins. Co., No. 5:17-cv-01076 (W.D. Okla. Jan. 11, 2022). “”) 23 Okla. Stat. tit. 36, § 1250.3 . standards.”
Gaddy, No. 4:25-cv-00367 (N.D. Okla. Nov. 7, 2025). “”), citing Root, 2024 WL 5239456 , at *2, and Okla. Stat. tit. 36, § 1250.3 (explaining that the act applies to an insured’s claim with an insurer); Gamble v.”
Anderson, No. 6:25-cv-00184 (E.D. Okla. June 23, 2026). “The provision appears within the UCSPA, which governs insurer conduct in adjusting claims and authorizes administrative enforcement by the Insurance Commissioner, but does not create private causes of action or prescribe suit-limitation periods.”
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