Proposed Insurance Consumer Protection and Claims Reform Act (SB 1268)
March 13, 2026
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Finance Connection
| Candidate | Donor | Amount | Industry | Date |
|---|---|---|---|---|
| Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020 | Madison Partners | $25,000 | - | Oct 2020 |
| Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020 | Kilroy 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 2020 | Michael Sullivan | $10,000 | Owner | Sep 2020 |
| Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020 | Michael Sullivan | $10,000 | Owner | Sep 2020 |
| Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020 | 710 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 2020 | Michael Sullivan | $10,000 | Owner | Sep 2020 |
| Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020 | Michael Sullivan | $10,000 | Owner | Sep 2020 |
| Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020 | James Lippman | $10,000 | Owner | Oct 2020 |
| Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020 | Redcar 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 2020 | Cypress Equity Investments | $9,500 | - | Oct 2020 |
| VICKIE DAVIS FOR RIALTO CITY COUNCIL 2024 | Vickie Davis | $6,500 | Technician | Dec 2024 |
| VICKIE DAVIS FOR RIALTO CITY COUNCIL 2024 | Vickie Davis | $6,500 | Technician | Dec 2024 |
| Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020 | Cypress 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 2020 | Claude 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 2020 | Tweeny Kau | $5,000 | Retired | Sep 2020 |
| Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020 | Claude 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 2020 | Mark Leevan | $5,000 | Real Estate | Sep 2020 |
| Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020 | Mark Leevan | $5,000 | Real Estate | Sep 2020 |
| Santa Monica Forward Supporting Gleam Davis, Ana Jara, Kristin McCowan, Terry O'Day, and Ted Winterer for City Council 2020 | Claude R. Short LLC(Dorothy F. Menzies) | $5,000 | - | Sep 2020 |
| Charles Edward Davis | CHARLES DAVIS | $5,000 | INSURANCE | Mar 2026 |
Reported financial relationships and timing signals. This does not prove motive or influence. Readers draw their own conclusions.
The Frame
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.
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.
Last recorded activity March 13, 2026.
Introduced.
Summary
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?
Can my insurer exclude my attorney from meetings?
What happens if my insurer fails to pay my claim on time?
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
Lobbying Activity
9TH STREET STRATEGIES
on behalf of Pennymac Financial Services
2026
“Issues related to housing finance, issues related to flood insurance”
AARP
2026
“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
“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
“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
“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
“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
on behalf of Florida Insurance Council
2026
on behalf of Latin American Association of Insurance Agencies
2026
on behalf of Latin American Association of Insurance Agencies
2026
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
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
openstates.org
Analysis Score
0–100- Significance85How much this matters to a regular citizen
- Controversy75Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz40Current news / social attention level
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