HI SB2948

Prohibits claims harvesting, including soliciting insurance claims through false representations, offering inducements for benefit assignments, and using deceptive tactics like runners or door-to-door canvassing to obtain claims

Bans fraudulent litigation financing arrangements related to insurance claims, particularly those contingent on pursuing unverified claims or encouraging inflated damages

Creates new protections during state-declared emergencies, including prohibiting coerced post-loss assignment of insurance benefits, restricting misleading disaster-related advertising, and voiding assignments obtained through fraud or misrepresentation

Authorizes a centralized insurance fraud database and allows the Insurance Commissioner to share confidential investigation data with law enforcement, prosecutors, other regulators, and the National Association of Insurance Commissioners

Expands the Insurance Fraud Investigations Branch's authority to use predictive analytics for fraud detection and requires annual legislative reporting on fraud investigations, prosecutions, and recovered amounts