CS/HB 1411 Summary

• Establishes the "Comprehensive Insurance Fraud Investigation and Prevention Act" to balance prompt claim payments with reducing fraud, abuse, and overuse of Florida's no-fault motor vehicle insurance system

• Requires crash reports to document all passengers involved and allows investigating officers to testify at trial or provide affidavits about report contents

• Expands insurer investigation rights including examinations under oath, records reviews, and physical inspections of treatment facilities; establishes that unreasonable examination requests without basis constitute unfair trade practices

• Denies all benefits to claimants who submit false documents, misleading statements, or commit fraudulent insurance acts, regardless of claim legitimacy; allows insurers to recover previously paid benefits

• Creates civil penalties of $5,000-$15,000 for motor vehicle insurance fraud violations, with amounts paid to the Insurance Regulatory Trust Fund for fraud investigation and prosecution