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Bill

Bill

S 1404

Broadens scope of information sharing and civil immunity therefor, related to insurance fraud.

2026-2027 Regular Session Introduced by Joe Lagana and 1 co-sponsor

S 1404 widens insurance fraud information-sharing between companies and law enforcement while expanding civil immunity protections for those reporting suspected fraud.

Referred to Senate Budget and Appropriations Committee
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WeVote Research Nonpartisan
Bill Summary · S 1404

Legislative bill overview

S 1404 expands the types of information that can be shared between insurance companies and law enforcement regarding suspected fraud, and broadens civil immunity protections for those who report suspected insurance fraud in good faith. The bill widens the definition of shareable information and the categories of parties who can exchange fraud-related data without facing lawsuits.

Why is this important

Insurance fraud costs the industry billions annually, with costs passed to consumers through higher premiums. Removing legal barriers to information sharing could help insurers and law enforcement identify and prosecute fraudsters more effectively. However, broader immunity provisions could also shield bad-faith accusations or erroneous reporting from legal consequences.

Potential points of contention

  • Privacy concerns: Expanded information sharing between private insurers and government agencies raises questions about data privacy, especially regarding personal medical or financial information
  • Immunity scope: Broadened civil immunity could protect companies that make false or reckless fraud accusations against policyholders, with limited recourse for wrongly accused individuals
  • Chilling effect on legitimate claims: Policyholders may hesitate to file valid claims if they fear aggressive fraud investigations backed by stronger legal protections for accusers

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

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