Federal law targets organized truck-collision fraud rings with 20-year sentences

What it does

This bill creates two new federal crimes: intentionally causing a collision with a commercial truck (or arranging for someone else to do so), punishable by up to 20 years in prison and fines; and causing such a collision that results in serious injury or death, punishable by at least 20 years in prison and fines. A person cannot be prosecuted federally if they have already been convicted or acquitted of the same act under state or territorial law.

Why we flagged it

The bill's sole operative mechanism is the creation of two new federal crimes targeting organized collision-fraud schemes. It is a straightforward criminal-law amendment with no tax, subsidy, or regulatory carve-out component.

What the text implies

• Federal prosecution may create parallel liability with state charges, though the double-jeopardy bar (conviction or acquittal on the merits under state law) prevents dual punishment for the same act.
• The definition of 'staging' and 'intentionally causes' will depend on case law and prosecutorial discretion; the bill does not define 'arranges for' or specify what mental state suffices for the arranger.
• Commercial motor vehicle is defined by reference to section 31101 (likely vehicles over 10,000 lbs GVWR); the bill does not extend to collisions with non-commercial vehicles, leaving state law as the primary remedy for ordinary accident fraud.

Section numbers refer to the bill text the analysis read — linked under Primary records below.

Who it affects

The bill creates federal criminal liability for organized collision-fraud schemes targeting commercial trucks, which are often coordinated insurance scams that endanger truckers, passengers, and the public. Ordinary citizens benefit from deterrence of these schemes and from federal enforcement capacity where state prosecution may be inadequate or fragmented.

Named in the bill

Commercial motor vehicle operators, Insurance companies (indirect beneficiary via fraud reduction), Federal prosecutors (enforcement authority), State prosecutors (concurrent jurisdiction preserved)

Where it stands

9 cosponsors: 8 Republicans, 1 Democrats.

• Apr 7, 2025 — Introduced · Congress.gov: “Introduced in House”
• Apr 7, 2025 — Referred to House Committee on the Judiciary · Congress.gov: “Referred to the House Committee on the Judiciary”

Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.

Money around this bill

10 lobbying clients named this bill on 16 disclosure filings across 2 quarters, Dec 2025 to Jun 2026. Those filings disclosed $8,935,442 in lobbying spend. A filing names 14 bills on average, so that figure is what each filing reported, not a share belonging to this bill.

More lobbying clients named this bill than 91% of bills with at least one filing.

Mike Collins, the sponsor, reported $542,500 in PAC receipts in the 2026 cycle. $2,000 of that came from 1 PAC tied to these lobbying clients.

• American Property Casualty Insurance Association — $3,540,000 on 2 filings
• Fedex Corporation — $2,930,000 on 1 filing
• National Association of Mutual Insurance Companies — $1,005,758 on 2 filings
• American Trucking Associations — $720,000 on 1 filing
• International Foodservice Distributors Association — $253,684 on 1 filing

Lobbying Disclosure Act filings through Jul 22, 2026. A filing shows who paid to lobby on a bill it names, not what changed.