New York pays $1,500 more per driver — and the fraud rings are still writing the bill.
Hochul's 2026 insurance-reform package is a start. But staged-crash rings, sham clinics, and $50K no-fault payouts still make New York the country's most exploited auto-insurance market.
The Latest from PACT
Press coverage, PACT original videos, and reform updates that put the issue in focus.
No one deserves to be victimized by personal-injury attorneys who exploit loopholes in an unregulated system that drives up costs for everyone. We’re committed to a legal system that protects rather than exploits, because consumers deserve a justice system they can trust.
Two PACT projects, built for the people the system exploits.
Standalone platforms — practical guidance for the moment after a crash, and a place for victims to put their own story on the record.
Before You Call That Lawyer
Practical guidance for victims on navigating the immediate aftermath of an accident without falling prey to settlement mills.
Your Injury Story
First-hand accounts from consumers whose lives were complicated by aggressive legal marketing and predatory contracts.
Gov. Hochul signed landmark insurance-reform legislation in 2026 targeting staged-crash fraud and runaway litigation.
The cost of an unregulated system.
Annual per-household cost
of America's broken U.S. legal system, paid by every family.
Source: Institute for Legal Reform (ILR), 11/24
Total cost to the U.S. economy
of America's broken legal system in 2022 — 2.1% of total GDP.
Source: Institute for Legal Reform (ILR), 11/24
Billboard-lawyer ad spend
spent in 2023 on 26 million+ TV, radio, print, and billboard ads across the U.S.
Source: American Tort Reform Association (ATRA), 3/24
Where lawsuit abuse is winning, and where consumers are fighting back.
These are the states where the fight is most active — proven reform wins, and documented fraud rings driving up costs for everyone else. Click a state for the story.
States delivering measurable savings after enacting meaningful tort, venue, or legal-advertising reforms.
States with documented legal-fraud rings, organized staged-crash conspiracies, or entrenched lawsuit abuse.
States where reform activity has not yet reached national attention, though efforts are advancing in many.
The costs do not stop with the lawsuit.
PACT tracks the fallout where consumers actually feel it: higher premiums, aggressive ad saturation, pressure on family budgets, and the everyday expenses that absorb the cost of lawsuit abuse.
Latest New York coverage
- July 24, 2026Insurance Fraud Is Costing You $300 a Year, and New York Is Fighting BackStaged car crashes aren’t accidents. They’re premeditated schemes designed to defraud insurers and pass the costs on to everyday consumers. We’ve seen these repeatedly in New York from a Suffolk County court ruling exposing coordinated…Read
- July 9, 2026New York's Auto Insurance Reforms Are Now in Effect. Here's What That Means for DriversFor years, New York has held the dubious distinction of having the highest auto insurance rates in the nation. Now, a package of reforms championed by Governor Kathy Hochul has gone into effect, and the state is demanding insurers reflect the savings in their rates.Read
- July 8, 2026Court Documents: When the Eyewitness Becomes the Plaintiff. A Brooklyn Construction Case Reveals the Machinery Behind Lawsuit AbuseA Brooklyn construction lawsuit filed in 2018 offers a revealing window into how the personal injury system can be manipulated through overlapping claimants, shared medical networks, and litigation financing that turns injury claims into…Read
Latest dispatches
Insurance Fraud Is Costing You $300 a Year, and New York Is Fighting Back
Staged car crashes aren’t accidents. They’re premeditated schemes designed to defraud insurers and pass the costs on to everyday consumers. We’ve seen these repeatedly in New York from a Suffolk County court ruling exposing coordinated…
PACT Launches “In Their Own Words,” New Video Series Giving Victims of Lawsuit Abuse a Voice
First installment features a victim whose family’s settlement was stolen by the attorney they trusted most
Florida Proves Lawsuit Reform Works. The Rest of America Is Still Waiting.
A new analysis from insurance marketplace The Zebra confirms the quiet part out loud: lawsuit abuse is a primary driver of America’s car insurance crisis, and the states that have acted to reform their legal systems are already seeing…
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