HB 1447 - Comprehensive Insurance Fraud Investigation and Prevention Act of 2010

• Expands motor vehicle crash reporting requirements to include all crashes involving passengers and requires passenger names and addresses on crash reports.

• Requires health care clinic licensure and exemption applications to include insurance fraud notices and allows insurers to report suspected violations to regulatory agencies with qualified immunity protections.

• Modifies homeowners insurance policies to allow insurers to withhold full replacement cost payments until property is actually repaired or replaced, reducing fraud incentives.

• Restricts optional sinkhole coverage limits to 25 percent of dwelling coverage and defines "presumed correct" status for engineer/geologist reports in sinkhole claims.

• Establishes criminal penalties for false mitigation verification forms (second-degree misdemeanor for first offense, third-degree felony for subsequent offenses) and requires personal inspection certification and fraud warning statements on such forms.

• Requires health care providers to submit initial medical reports within 14 days of first contact and allows insurers to deny payment to providers who commit fraudulent insurance acts, voiding all coverage for those claims.

• Expands definition of "fraudulent insurance act" to include false health care clinic licensure documents and adds real and personal property related to insurance fraud to forfeitable contraband under Florida law.