Bill · H.R. 10269· House(119-HR-10269)
Stop Auto Fraud Act of 2026
- Introduced
- 9/3/2026
- Last activity
- 9/3/2026 — Referred to the House Committee on the Judiciary.
- Sponsored by
- Laura Gillen
- Cosponsors
- - 1 - 3
- Introduced
- In Committee
What this bill would do
The "Stop Auto Fraud Act of 2026" amends title 18 of the United States Code to create a new offense for motor vehicle collision fraud. It targets people who knowingly scheme to stage or simulate accidents to submit fraudulent insurance claims for things like medical treatment, repairs, or lost wages. Penalties include fines and imprisonment, with longer sentences if the fraud causes serious injury or death. Any fines collected from these crimes will be put into the Highway Trust Fund.
Yes· 3 of 7
Does this give people more protection from unfair business practices?+3
Reduces insurance fraud which can lead to lower premiums for law-abiding consumers.
Does this repair or build roads and bridges?+3
Deposits fines into the Highway Trust Fund to support infrastructure.
Does this lower what people pay for private health insurance?+2
Targeting insurance fraud helps reduce the costs passed on to policyholders.
The opposite
Does this leave more decisions to the states?-2
Increases federal jurisdiction over an area typically handled by state law.
Who it would affect, and how
Potential Positive Impacts for People
-
Criminal Penalties for Fraud: Section 2(a)(1) establishes prison time and fines for those who stage accidents for insurance money, which holds fraudsters accountable.
-
Increased Penalties for Severe Harm: Section 2(a)(1) provides for up to 20 years in prison for serious bodily injury and potential life imprisonment if the fraud results in death.
-
Funding for Infrastructure: Section 2(b) requires that fines collected from these offenses be deposited into the Highway Trust Fund.
Potential Negative Impacts for People
- No negative impacts for individuals or groups are explicitly mentioned in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Economy And Finance
- Improves Consumer Protection+3Improves Fiscal Responsibility+1Reduces National Debt+1
- Environment Energy And Infrastructure
- Improves Roads And Bridges+3
- Healthcare
- Reduces Private Insurance Premiums+2
- Demographic And Interest Groups
- Good For Middle Class Households+1
- Governance And Ideology
- Increases Federal Power+2Increase States Rights-2
- 10/6/2026
- 1 Cosponsor added.
- 9/3/2026
- Referred to the House Committee on the Judiciary.
- 3 Cosponsors added.
- Introduced in House
Vince FongRepublican · California
Josh GottheimerDemocrat · New Jersey
Michael LawlerRepublican · New York
Troy NehlsRepublican · Texas