H.R. 10269: Stop Auto Fraud Act of 2026

This bill would create a new federal crime for motor vehicle collision fraud. In plain terms, it would make it illegal to knowingly:

• stage, fake, or deliberately cause a car accident; and
• submit a false or fraudulent insurance claim tied to that accident, including claims for medical bills, vehicle repairs, lost wages, or other benefits.

Someone convicted under this new offense could be fined, imprisoned for up to 10 years, or both. If the fraud leads to serious bodily injury, the maximum prison term would increase to 20 years. If it results in a death, the person could be imprisoned for any number of years, including life.

The bill would also add this new crime to the federal criminal code’s list of offenses and update the table of contents for that section of law.

In addition, any fines collected under this new law would be deposited into the Highway Trust Fund, which is used for transportation-related spending.

Relevant Companies

• ALL — Allstate could be affected if the law helps reduce fraudulent auto insurance claims, which may influence claim costs.
• PGR — Progressive could be affected for the same reason, since it writes a large amount of auto insurance.
• TRV — Travelers could be directly affected through changes in the volume or cost of suspected auto fraud claims.
• CB — Chubb could be affected if enforcement reduces fraudulent collision-related insurance losses.
• GEICO — None found