A 3255 New Jersey General Assembly · 2026-2027 Regular Session

Broadens scope of information sharing and civil immunity therefor, related to insurance fraud.

This bill expands the types of information insurance companies, agents, and support organizations can share to prevent fraud, while providing legal protection (civil immunity) for those who share it. It directly affects insurance institutions, agents, and insurance-support organizations by broadening what qualifies as fraud-related information they can legally exchange. Key provisions clarify definitions like "adverse underwriting decision" and specify that sharing information to detect fraud - such as misrepresentations in applications or claims - falls under protected disclosure. The bill does not change insurance rates or coverage but streamlines fraud prevention efforts by reducing legal barriers to information sharing.

Bill status passed 3 of 5 stages cleared

Introduction

Jan 2026

Committee Review

General Assembly Passage

Jun 2026

Senate Passage

Governor

Introduced Jan 13, 2026 Last action Jun 30, 2026

Maddy AI version diff · 1 comparison

What changed between versions

Introduced → Reprint · 5 edits

MODERATE

The First Reprint of A3255 reflects amendments made by the Assembly Public Safety and Preparedness Committee on March 19, 2026. The key substantive changes add a 'reasonably believes' standard to reporting and information-sharing provisions, broaden the trigger from confirmed violations to suspected ones ('may have been'), and significantly narrow civil immunity by adding bad faith, recklessness, and fraud as exceptions. Two additional sponsors were added.

Scope change

The bill's practical scope expanded slightly by lowering the threshold from confirmed violations to suspected ones ('may have been'), but simultaneously narrowed the protection available to those sharing information by adding bad faith, recklessness, and fraud as grounds for losing civil immunity. The net effect is a more balanced framework: easier to trigger reporting, but less protection if the report is made carelessly or dishonestly.

REQUIREMENT

Added the word 'reasonably' before 'believes' in both Section 5 (mandatory reporting) and Section 6 (civil immunity), requiring a reasonableness standard rather than any belief that a violation has occurred.

SCOPE

Changed the trigger language from 'has been or is being made' to 'may have been or is being made' in both Sections 5 and 6, broadening the scope to cover suspected or potential violations rather than only confirmed ones.

ELIGIBILITY

Narrowed the civil immunity exception in Section 6 from 'malice or willful intent to injure another person' to 'bad faith, malice, recklessness, fraud, or willful intent to injure another person,' meaning a person who acts with bad faith, recklessness, or fraud can no longer claim immunity.

TECHNICAL

Two additional Assembly sponsors were added: Cody D. Miller (District 4) and Anthony Angelozzi (District 8).

The full legislative statement explaining the bill's purpose and mechanisms was removed from the reprint version, likely a formatting convention for committee-reported bills.

Floor votes

How they voted

This bill passed the General Assembly by voice vote (no roll call recorded).

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Jun 30, 2026

Lower · Passed

Passed by the Assembly (77-0-0)

lower

Jan 13, 2026

Introduced

Introduced, Referred to Assembly Financial Institutions and Insurance Committee

lower

3 primary · 0 co-sponsors