Staged Accident Fraud Prevention Act of 2025

This bill makes it a federal crime to intentionally cause or arrange collisions involving commercial motor vehicles (like trucks) for insurance fraud. It imposes fines and prison sentences of up to 20 years for basic staging, and at least 20 years if the collision causes serious injury or death. The law directly affects individuals who commit this type of fraud, which is often used to file false insurance claims. It also prevents federal prosecution if someone was already convicted or acquitted under state law for the same act.