MS SB2489

Prohibits civil liability against any person or entity for reporting suspected, anticipated, or completed insurance fraud to law enforcement, investigatory, prosecutorial, or regulatory agencies.

Creates an exception where civil liability may apply if false statements were made with actual malice; requires the party bringing such action to plead and prove actual malice by clear and convincing evidence.

Defines insurance fraud as knowingly presenting false information or concealing material facts in insurance applications, claims, or policy documents with intent to defraud.

Amends Section 83-13-21 to clarify that insurance companies and agents furnishing information about fire losses are immune from civil liability as provided in this act.

Effective date: July 1, 2013.