TORT REFORM LEGISLATION
Lawsuit abuse isn't a mystery, and it isn't unstoppable. U.S. tort costs are on track to hit $1 trillion a year, but states that passed serious reform are already seeing results. Our agenda brings together what's proven, what's new, and what America still needs, so honest claims get paid fairly and abuse stops paying.
ON THIS PAGE
Our principles
Our fresh ideas
What's already working
Other reforms
Congress
How we'll get it done
OUR PRINCIPLES
1
It protects legitimate claims.
People who are truly hurt should get fair compensation, and get it faster.
2
It makes abuse unprofitable.
Exaggerated, staged, and serial claims should cost the people behind them, not the businesses they target.
3
It brings the system into the light.
Claims, funding, and outcomes should be visible enough to spot patterns.
4
It matches common sense.
Ordinary people should be able to understand the rules and follow them.
5
It proves itself.
We back reforms with measurable results, and we keep measuring after they pass.
OUR FRESH IDEAS
We're developing model bill language with attorneys and researchers, and we want your input.
NCLI ORIGINAL
Injured people should get a fair offer before anyone profits from their claim.
Insurers must make a documented fair offer for real claims.
Accepting it early earns the claimant a bonus.
Hiring an attorney after that is still the claimant's right.
The plaintiff keeps 100% of the insurer’s offer without having to split with an attorney. If the attorney takes the case they only get a split above the current offer.
A simple example: a $25,000 offer for a legitimate injury
You accept: $25,000, paid fast. You keep 100%
Your attorney wins: $5,000 more they keep 33% of that not of what you already worked and negotiated for.
NCLI ORIGINAL
The same care should cost the same, no matter who's paying.
Medical bills tied to a claim must match normal negotiated rates.
Injury damages can't be inflated with phantom pricing.
Combined billing must disclose the real cost of care.
A real example: a hospital’s chargemaster price for an MRI is $4,140 but insurance only pays $1,686. 2.5X less
The full price is rarely paid: hospitals even have substantial cash discounts for those without insurance.
In some states, personal injury claims can be based on full medical sticker prices—even when providers accepted far less as payment in full. Requiring providers to charge the same fair, transparent price for the same care, with or without insurance, could help close that gap and protect more families from crushing medical debt and bankruptcy.
NCLI ORIGINAL
A clear sign at the door should count as much as a stack of signed waivers.
A posted risk notice satisfies disclosure requirements.
It carries the same legal weight as a signed waiver.
Modeled on the notices used successfully in ski states.
Why it matters
No more waiver lines at the door, just a clear, honest notice everyone can read.
NCLI ORIGINAL
Patterns can't be stopped if no one can see them.
A national registry reports claims patterns across states.
Individual privacy is protected throughout.
Builds on existing fraud-reporting systems already in place.
Why demand letters stay hidden, and how our planned Database would help →
WHAT'S ALREADY WORKING
Florida's 2023 law has the longest track record, and the results are already showing.
FLORIDA, SINCE ITS 2023 REFORM
Auto glass lawsuits in the second quarter, 2023 vs. 2024
Auto rate cuts filed by GEICO, Progressive, and State Farm
New property insurers entering the state's market
Lower premiums than without reform, per an insurance industry–commissioned study
STATE
YEAR
WHAT CHANGED
RESULTS SO FAR
New York
2026
In car-accident claims, no recovery when the claimant is more at fault than the defendants. A tighter threshold for what counts as a serious injury.
Took effect May 26, 2026. Too new to measure.
New Mexico
2026
Tiered limits on punitive damages in malpractice cases, from about $1 million for clinics to $15 million for large hospital systems. A higher bar of proof to seek them.
Passed with more than 95% of lawmakers in favor, led by legislators from both parties, to address the state's doctor shortage.
North Carolina
2026
The first state to ban outside investors from financing lawsuits for a share of the payout.
Signed June 22, 2026. Too new to measure.
Louisiana
2025
No recovery for anyone 51% or more at fault. Medical damages limited to amounts actually paid. Plaintiffs must prove the accident caused the injury.
Main changes took effect January 1, 2026.
Georgia
2025
Damages based on medical bills actually paid, not inflated charges. Separate trials for fault and damages. Litigation funders must register with the state.
Too early to measure
South Carolina
2025
Liquor liability and shared-fault rules rewritten, easing the pressure on bars, restaurants, and music venues.
Applies to claims arising on or after January 1, 2026.
Florida
2023
No recovery for anyone more than 50% at fault. Filing deadline cut from 4 years to 2. One-way attorney fee awards against insurers repealed.
The longest track record. See the results above.
United States
(aviation)
1994
An 18-year limit on lawsuits against small-plane manufacturers over older aircraft.
Signed with bipartisan support after production collapsed from 18,000 planes in 1978 to 555 in 1993.
A growing number of states now regulate third-party litigation funding in some form, from disclosure requirements to bans on foreign funders.
OTHER REFORMS AMERICA NEEDS
Several are already law somewhere. The goal is to make them the norm.
No recovery for the person mostly to blame, when they're more than half at fault.
Early review of weak claims, before they reach a jury.
Proportional discovery, so costs match what's actually at stake.
Frivolous claims pay the bill, with fee-shifting for bad-faith suits.
Honest medical damages everywhere, based on bills actually paid.
Clear inherent-risk rules, for sports and recreational activities.
Common-sense premises rules, that don't punish ordinary upkeep.
ADA notice and cure, giving businesses a chance to correct issues.
Clear website accessibility standards, so businesses know what compliance looks like.
Warnings before lawsuits for technical violations, not surprise litigation.
Disclose who's funding lawsuits, so courts and juries know the real parties in interest.
Honest attorney advertising, free of misleading claims.
Real penalties for fraud, for staged claims and manufactured injuries.
Open attorney discipline records, so misconduct isn't hidden from the public.
CONGRESS
Some problems can't be solved state by state. Term limits and a handful of national standards need to be set by Congress, once and for all.
How the Congress campaign works →
TERM LIMITS
The last year the House came close to passing a term limits amendment.
It's time to finish what nearly two-thirds of the House started nearly 30 years ago.
These reforms cross state lines and require national action.
A federal notice-and-cure requirement so businesses get the chance to fix an issue before facing a lawsuit.
A national technical standard for website compliance, so businesses aren't guessing what the law requires.
Close the loopholes in federal telemarketing law that turn honest mistakes into six-figure lawsuits.
Require disclosure of third-party litigation funders in every federal case, not just a patchwork of states.
Once Congress acts, we take the campaign to state legislatures, starting where reform is needed most.
HOW WE'LL GET IT DONE
Here's our plan to turn them into law.
1
One million businesses, plus the families and workers who pay the price, give lawmakers a reason to listen.
2
Attorneys and researchers in each state track what's working, what isn't, and where reform is needed most.
3
We turn our ideas into ready-to-file model legislation, so lawmakers don't have to start from scratch.
4
We lobby, testify, and bring real business owners' stories to state capitols and Washington.
5
After a reform passes, we track claims, premiums, and filings to show whether it's working.
WHAT WE'RE NOT TRYING TO DO
People who are truly hurt deserve fair compensation, and every reform we support is built to protect that.
We're against claims that are exaggerated, staged, or filed to exploit the cost of defending.
Honest attorneys are part of our coalition, and good reform makes their work more credible.
Lawsuit abuse costs Americans in every state, and reform has passed with support from both parties.
Every reform on this page started with people who were tired of paying for a broken system. Add your voice, and your experience, to the ones that will change it.
Get updates as our model bills take shape.
Know a law that's working in your state, or an idea we've missed? Tell us.
Real experiences are the most powerful thing we bring to lawmakers.
Milliman, "How recent tort reforms are shaping insurance claims," August 2025 (Florida and Georgia)
Florida Realtors, "Tort Reform Drives Billions in Economic Gains," February 2026 (Perryman Group study)
Office of Louisiana Governor Jeff Landry, "2025 Insurance Reforms"
American Tort Reform Association, "New Mexico Earns 'Tort Reform Trailblazer' Title," July 2026
Lawsuit Legal, "2026 Tort Law Changes by State," verified August 2026 (New York, South Carolina)
CaseGlide, "Litigation Funding Disclosure Requirements by State," July 2026
The American Presidency Project, "Statement on Signing the General Aviation Revitalization Act of 1994"
Congressional Research Service, "The Unconstitutionality of State Congressional Term Limits," 1995
