This bill, titled the "Stop Auto Fraud Act of 2026" , amends title 18 of the United States Code to create a new federal offense for motor vehicle collision fraud . It specifically targets individuals who knowingly execute or attempt to execute a scheme to cause, stage, fabricate, or simulate a motor vehicle accident. The offense also covers submitting any false, fictitious, or fraudulent claim for payment under an insurance policy, including claims related to medical treatment, repair costs, lost wages, or lost benefits. Penalties include fines and imprisonment for up to 10 years, escalating to up to 20 years if the violation results in serious bodily injury , and potentially life imprisonment if it results in death . All criminal fines collected under this new section will be deposited into the Highway Trust Fund .