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Bill

SB 45

AN ACT TO AMEND TITLE 11 OF THE DELAWARE CODE RELATING TO INSURANCE FRAUD.

153rd General Assembly (2025-2026) Introduced by Bill Bush and 8 co-sponsors

SB 45 amends Delaware insurance fraud law; currently pending amendment review with mixed committee support indicating substantive disagreement among legislators.

Signed by Governor
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WeVote Research Nonpartisan
Bill Summary · SB 45

Legislative bill overview

SB 45 amends Delaware's insurance fraud statutes under Title 11 of the Delaware Code. The bill has progressed through the Senate Banking, Business, Insurance & Technology Committee with a mixed report (1 favorable, 5 on its merits) and currently has an amendment pending consideration.

Why is this important

Insurance fraud costs the industry billions annually, with costs ultimately passed to consumers through higher premiums. Strengthening fraud enforcement mechanisms can deter fraudulent claims while improving system integrity, though the specific amendments will determine whether protections are adequately balanced with fair prosecution standards.

Potential points of contention

  • Lack of publicly available amendment details - Amendment SA 1 was introduced April 9, 2025, but specific language is not accessible, making assessment of actual changes difficult
  • Mixed committee recommendation - The 1 favorable to 5 "on its merits" vote suggests significant disagreement among committee members about the bill's provisions
  • Scope of definition changes - Amendments to fraud definitions could either strengthen legitimate prosecution or potentially overreach into borderline cases, depending on language

Compiled from official sources — confirm details with the bill’s official record.

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