POLISCOPE
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SB 1268FLORIDA · STATEWIDESession 2026dead
Finance Detected

Proposed Insurance Consumer Protection and Claims Reform Act (SB 1268)

Original title: Insurance

March 13, 2026

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Finance Connection

Notable money activity
$167,950across 20 reported contributions
Trace money trail →
CandidateDonorAmountIndustryDate
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Madison Partners$25,000-Oct 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Kilroy Realty, L.P$10,000-Sep 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Michael Sullivan$10,000OwnerSep 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Michael Sullivan$10,000OwnerSep 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020710 Broadway, LLC$10,000-Oct 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Michael Sullivan$10,000OwnerSep 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Michael Sullivan$10,000OwnerSep 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020James Lippman$10,000OwnerOct 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Redcar Properties LTD$9,950-Sep 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Cypress Equity Investments$9,500-Oct 2020
VICKIE DAVIS FOR RIALTO CITY COUNCIL 2024Vickie Davis$6,500TechnicianDec 2024
VICKIE DAVIS FOR RIALTO CITY COUNCIL 2024Vickie Davis$6,500TechnicianDec 2024
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Cypress Equity Investments$5,500-Oct 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Claude R. Short LLC$5,000-Sep 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Tweeny Kau$5,000RetiredSep 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Claude R. Short LLC$5,000-Sep 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Mark Leevan$5,000Real EstateSep 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Mark Leevan$5,000Real EstateSep 2020
Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020Claude R. Short LLC(Dorothy F. Menzies)$5,000-Sep 2020
Charles Edward DavisCHARLES DAVIS$5,000INSURANCEMar 2026

Reported financial relationships and timing signals. This does not prove motive or influence. Readers draw their own conclusions.

The Frame

What this does

If enacted, this bill would change how quickly insurers must pay claims, how they calculate vehicle repair costs, and whether they can deny attorney fees to policyholders in property insurance lawsuits, directly impacting the financial recovery process for Florida residents.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Insurance policyholders

Policyholders gain new rights regarding claim settlement timelines, repair transparency, and diminished value compensation.

Insurance adjusters

Adjusters face stricter licensing enforcement, new continuing education requirements, and expanded grounds for license revocation.

Insurers

Insurers must comply with new claim processing deadlines, repair documentation requirements, and limitations on policy defenses.

What changed

Last recorded activity March 13, 2026.

What's next

Introduced.

Summary

This bill proposes significant new requirements for insurance companies regarding claim settlement timelines, motor vehicle repair standards, and the handling of claims. It also mandates stricter oversight of insurance adjusters and clarifies the rights of policyholders to legal representation and attorney fees in property insurance disputes.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

How does this bill affect my car insurance claim?
The bill requires insurers to provide a detailed written repair plan, use parts equivalent to the original, and compensate you for the '' of your vehicle after repairs are completed.
Can my insurer exclude my attorney from meetings?
No, the bill explicitly prohibits insurers from excluding a ’s attorney from in-person meetings with the insured.
What happens if my insurer fails to pay my claim on time?
If an insurer fails to pay the full amount owed within 90 days of receiving notice, they have an incontestable obligation to pay the amount plus interest and an additional equal interest penalty.

Why It Matters

If enacted, this bill would change how quickly insurers must pay claims, how they calculate vehicle repair costs, and whether they can deny attorney fees to policyholders in property insurance lawsuits, directly impacting the financial recovery process for Florida residents.

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Lobbying Activity

9TH STREET STRATEGIES

on behalf of Pennymac Financial Services

2026

HOUSING

Issues related to housing finance, issues related to flood insurance

AARP

$4,110,000

2026

HEALTH ISSUESMEDICARE/MEDICAIDLAW ENFORCEMENT/CRIME/CRIMINAL JUSTICEPHARMACY

P.L. 119-21, One Big Beautiful Bill Act H.R. 8867, Planning for Long-term Aging Needs (PLAN) Act H.R. 5861, Legacy Act of 2025 H.R. 9393, the Lower Costs, More Transparency Act. H.R. 9396, the Prior Authorization Accountability Act. S. 4916, the Aging with Artificial Intelligence Act. H.R. 8100, Safe Staffing Saves Lives Act. S. 3886, Nurses Belong in Nursing Homes Act. H.R. 6766/S. 3492, the Essential Caregivers Act of 2025. H.R. 7966/S. 4118, Hospice Care Accountability, Reform, and Enforcement (Hospice CARE) Act. S. 2120, the Older Americans Act Reauthorization Act of 2025 H.R. 5575, the Firefighters Assisting Seniors to Emergency Response (FASTER) Act of 2025. H.R. 3954/S. 4641, Improving Access to Medicare Coverage Act. H.R.5554/S.2831, Stand Strong for Medicare Act. S. 3439/H.R. 6735, Connecting Caregivers to Medicare Act and efforts related to the bill S. 1227/H.R. 2491, Alleviating Barriers for Caregivers Act S. 668/H.R. 3183, Supporting Access to Falls Education and Prevention and Strengthening Training Efforts and Promoting Safety Initiatives (SAFE STEPS) for Veterans Act of 2025 CMS-1851-P, Hospice Proposed rule. CMS-1843-P, Skilled Nursing Facility Proposed rule. CMS-1844-P, Home Health Proposed rule. No bill number. Health care transparency. No bill number. Discussed use of artificial intelligence and health data technology. No bill number. Discussed health-related policies and activities around the fall respiratory virus season. No bill number. Discussed health insurance affordability proposals. No bill number. Discussed Nursing Home staffing standards, safety, and quality. No bill number. Discussed Nursing home transparency and ownership requirements. No bill number. Discussed home health, hospice, and long-term care. No bill number. Discussed falls prevention. No bill number. Discussed social isolation. No bill number. Discussed HUD Assisted Living Requirements No bill number. Discussed family caregiving. No bill number. Discussed AARP paper on Medicare Caregiver Training Services. No bill number. Discussed Medicaid community engagement interim final rule, including the family caregiver exemption. No bill number. Discussed the paid direct care workforce in long-term care. No bill number. Discussed the unaffordability of long-term care. No bill number. Discussed Money Follows the Person Rebalancing Demonstration Program and Medicaid HCBS spousal impoverishment protections. No bill number. Discussed Medicaid fraud and family caregivers, Medicaid self-direction programs. No bill number. Discussed sandwich generation family caregiver hearing and submitted a statement for the record discussing family caregivers and sandwich generation caregivers, programs that support them, AARP caregiving resources, and federal policies to support sandwich generation caregivers and caregivers more broadly. No bill number. Discussed long-term care. No bill number. CMS-2453-NC; Medicaid Program; 2028 Medicaid Home and Community-Based Services Quality Measure Set Submitted comments No bill number. Discussed expanding access to home care. No bill number. Discussed the increasing cost of home care No bill number. Discussed HSA use for telehealth chronic care management services/subscriptions. No bill number. Discussed artificial intelligence and technology

1607 STRATEGIES, LLC

on behalf of Travelers Companies, Inc. and subsidiaries

2026

INSURANCEFINANCIAL INSTITUTIONS/INVESTMENTS/SECTORTSLAW ENFORCEMENT/CRIME/CRIMINAL JUSTICE

Issues related to the property and casualty insurance industry. Issues related to the Terrorism Risk Insurance Program. H.R. 7128, TRIA Program Reauthorization Act of 2026, all provisions.

1607 STRATEGIES, LLC

on behalf of Cross River Bank

2026

BANKING

Issues related to banking and financial services including: securitization, debts, online lending, virtual currency, payments and capital markets. Issues related to Federal Deposit Insurance Corporation rulemaking on brokered deposits. Issues related to the Paycheck Protection Program. Issues related to SBA lending programs. Issues related to standards of third party lending. Issues related to bank examinations.

1607 STRATEGIES, LLC

on behalf of Assurant, Inc.

2026

INSURANCECONSUMER ISSUES/SAFETY/PRODUCTS

Issues relating to the reauthorization of the National Flood Insurance Program, other issues related to flood insurance products and government-sponsored enterprise reform.

1607 STRATEGIES, LLC

on behalf of American Property Casualty Insurance Association

2026

INSURANCEBUDGET/APPROPRIATIONSTORTS

Issues relating to the reauthorization of the National Flood Insurance Program and other Issues related to flood insurance. Issues related to the Fair Credit Reporting Act. Issues regarding environmental policies and their consideration by insurers and state insurance regulators. Issues related to the Terrorism Risk Insurance Program. H.R. 7128, TRIA Program Reauthorization Act of 2026, all provisions.

on behalf of Florida Association of Public Insurance Adjusters

2026

Senate LDAView filing →

on behalf of Florida Insurance Council

2026

Senate LDAView filing →

on behalf of Latin American Association of Insurance Agencies

2026

Senate LDAView filing →

on behalf of Latin American Association of Insurance Agencies

2026

Senate LDAView filing →

Sponsors

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift90% confidence

Shift toward consumer-centric repair standards

The bill significantly increases the burden on insurers to provide transparency in the repair process, including sourcing parts and providing written plans, which shifts power toward the insured.

Connected Entities

Sources

Open source document

openstates.org

Analysis Score

0–100
  • Significance85
    How much this matters to a regular citizen
  • Controversy75
    Intensity of disagreement among stakeholders
  • Entertainment10
    Compellingness for a non-policy-wonk reader
  • Buzz40
    Current news / social attention level

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