Stop Auto Fraud Act of 2026

This bill creates a new federal crime for knowingly carrying out, or trying to carry out, a scheme to cause, stage, fake, or simulate a motor vehicle accident and submit a false insurance claim for losses such as medical treatment, repairs, lost wages, or lost benefits. A person convicted could be fined, imprisoned for up to 10 years, or both. If the crime results in serious bodily injury, the maximum prison term is 20 years, and if it results in death, the person could be imprisoned for any number of years or for life. Fines collected under this new crime would be deposited into the federal Highway Trust Fund.

Full text and official record on Congress.gov

Sponsors

• Laura Gillen Democrat sponsor
• 4 cosponsors