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Bill

A 3255

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

2026-2027 Regular Session Introduced by Dan Hutchison

New Jersey bill expands insurance fraud information-sharing between entities and broadens civil immunity protections for good-faith reporters to combat fraud more effectively.

Reported out of Assembly Comm. with Amendments, 2nd Reading
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WeVote Research Nonpartisan
Bill Summary · A 3255

Legislative bill overview

Bill A 3255 expands the types of information that can be shared between entities regarding suspected insurance fraud and broadens civil immunity protections for those who report such information in good faith. The bill modifies New Jersey's existing insurance fraud reporting framework to allow wider disclosure of fraud-related data while protecting reporters from civil liability.

Why is this important

Insurance fraud costs the industry billions annually, with those costs passed to consumers through higher premiums. Expanding information-sharing and liability protections can help insurers, investigators, and law enforcement detect and prevent fraud more effectively. However, the scope of these changes directly affects privacy considerations and potential misuse of shared personal information.

Potential points of contention

  • Privacy and data protection: Broader information sharing may expose personal financial and health data to more entities, raising concerns about unauthorized access or secondary use of sensitive information
  • Definition of "good faith": The scope of civil immunity depends on how narrowly or broadly "good faith" reporting is defined—overly broad immunity could shield negligent or reckless disclosures
  • Scope of shareable information: Unclear whether the bill permits sharing of unverified accusations, preliminary investigation details, or only confirmed fraud findings, which carries different fairness implications for accused individuals

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

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