PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the House Committee on the Judiciary.
Congressional Research Service
No official summary is available in the imported record yet.
People & committees
Rep. Gillen, Laura [D-NY-4] · D–NY
Legislative record
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Referred to the House Committee on the Judiciary.
Introduced in House
Introduced in House
Primary sources
Text links open the official source. We also preserved the text version used in the PlainBill explanation below.
No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Oct 7, 2026. Consult Congress.gov for the current record.
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PlainBill explanation
Based on the full Introduced in House · 2026-09-03 text. This explanation has not received human editorial review. This overview describes the proposal’s major provisions; it does not establish what its real-world effects would be.
The proposed Stop Auto Fraud Act of 2026 would create a federal crime for knowingly carrying out or attempting a scheme both to cause or fake a vehicle accident and to submit a fraudulent insurance claim. People convicted could face fines, prison, or both, with higher maximum prison sentences if the violation causes serious injury or death.
This Act may be cited as the Stop Auto Fraud Act of 2026.
Whoever knowingly executes, or attempts to execute, a scheme or artifice— (1) to cause, stage, fabricate, or simulate a motor vehicle accident; and (2) to submit any false, fictitious, or fraudulent claim for payment of a loss under an insurance policy, including a loss related to medical treatment, repair costs, lost wages, or lost benefits, shall be fined under this title or imprisoned not more than 10 years, or both.
If the violation results in serious bodily injury (as defined in section 1365 of this title), such person shall be fined under this title or imprisoned not more than 20 years, or both; and if the violation results in death, such person shall be fined under this title, or imprisoned for any term of years or for life, or both.
The proposed offense would require a knowing scheme with both elements: causing, staging, fabricating, or simulating a vehicle accident, and submitting a false or fraudulent insurance claim. Attempts to carry out such a scheme would also be covered.
Whoever knowingly executes, or attempts to execute, a scheme or artifice— (1) to cause, stage, fabricate, or simulate a motor vehicle accident; and (2) to submit any false, fictitious, or fraudulent claim for payment of a loss under an insurance policy
Covered insurance claims would include claims for medical treatment, vehicle repair costs, lost wages, or lost benefits. These are examples, rather than an exhaustive list.
any false, fictitious, or fraudulent claim for payment of a loss under an insurance policy, including a loss related to medical treatment, repair costs, lost wages, or lost benefits
The ordinary penalty would be a fine under federal criminal law, up to 10 years in prison, or both. The bill does not specify a dollar amount for the fine.
shall be fined under this title or imprisoned not more than 10 years, or both.
If the violation causes serious bodily injury, the maximum prison term would rise to 20 years. If it causes death, imprisonment could be for any term of years or for life. Either penalty could include a fine, and the injury threshold would use an existing statutory definition.
If the violation results in serious bodily injury (as defined in section 1365 of this title), such person shall be fined under this title or imprisoned not more than 20 years, or both; and if the violation results in death, such person shall be fined under this title, or imprisoned for any term of years or for life, or both.
All fines collected under the new offense would have to be deposited into the existing Highway Trust Fund.
Any fines collected under section 1353 of title 18, United States Code, shall be deposited into the Highway Trust Fund established by section 9503(a) of the Internal Revenue Code of 1986.
The supplied official-actions snapshot, updated October 7, 2026, records introduction in the House and referral to the House Committee on the Judiciary on September 3, 2026.
Source snapshot updated 2026-10-07T08:06:09Z. 2026-09-03: Referred to the House Committee on the Judiciary. 2026-09-03: Introduced in House
A closer look
Reviewed version: Introduced in House · 2026-09-03. These findings describe provisions and who may benefit; they are not judgments of waste, corruption, or motive.
This review covers the supplied bill text. “None identified” does not rule out provisions in later versions or accompanying reports and disclosures.
Provisions outside the bill’s main subject, or policy changes attached to appropriations.
None identified in the reviewed text
No unrelated provision or policy change attached to appropriations was identified in the complete supplied introduced text. This conclusion is limited to that version and does not establish absence in other versions or accompanying materials.
Spending directed to particular recipients or places outside ordinary competitive or formula-based allocation.
None identified in the reviewed text
No congressionally directed spending for particular recipients or places was identified in the complete supplied introduced text. This conclusion is limited to that version and does not establish absence in other versions or accompanying materials.
Narrow exceptions, exemptions, or preferential treatment that warrant a closer look.
None identified in the reviewed text
No materially narrow carve-out, special exemption, or preferential treatment was identified in the complete supplied introduced text. This conclusion is limited to that version and does not establish absence in other versions or accompanying materials.
Full text preserved for this analysis. Legislative record snapshot: Oct 7, 2026. How PlainBill uses AI