In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.

[EX Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``SSI Reform Act of 1993''.

SEC. 2. INCREASE IN INCOME AND RESOURCE ELIGIBILITY STANDARDS AND 
              BENEFITS; ELIMINATION OF CERTAIN RESOURCE EXCLUSIONS.

    (a) Increase in Income and Resource Eligibility Standards.--
            (1) In general.--Section 1611 of the Social Security Act 
        (42 U.S.C. 1382) is amended--
                    (A) in subsection (a)--
                            (i) in paragraph (1)(A)--
                                    (I) by striking ``$1,752'' and 
                                inserting ``the adjusted poverty 
                                line''; and
                                    (II) by striking ``1974'' and 
                                inserting ``1994'';
                            (ii) in paragraph (2)(A)--
                                    (I) by striking ``$2,628'' and 
                                inserting ``150 percent of the adjusted 
                                poverty line''; and
                                    (II) by striking ``1974'' and 
                                inserting ``1994''; and
                            (iii) in paragraph (3)--
                                    (I) in subparagraph (A), by 
                                striking ``and to $3,000 on January 1, 
                                1989'' and inserting ``to $3,000 on 
                                January 1, 1989, and to $10,500 on 
                                January 1, 1994''; and
                                    (II) in subparagraph (B), by 
                                striking ``and to $3,000 on January 1, 
                                1989'' and inserting ``to $3,000 on 
                                January 1, 1989, and to $7,000 on 
                                January 1, 1994''; and
                    (B) in subsection (b)--
                            (i) in paragraph (1)--
                                    (I) by striking ``$1,752'' and 
                                inserting ``the adjusted poverty 
                                line''; and
                                    (II) by striking ``1974'' and 
                                inserting ``1994''; and
                            (ii) in paragraph (2)--
                                    (I) by striking ``$2,628'' and 
                                inserting ``150 percent of the adjusted 
                                poverty line''; and
                                    (II) by striking ``1974'' and 
                                inserting ``1994''.
            (2) Adjusted poverty line.--Subsection (a) of such section 
        (42 U.S.C. 1382(a)) is amended by adding at the end the 
        following:
    ``(4)(A) For purposes of this subsection and subsection (b), the 
term `adjusted poverty line' means, with respect to a family--
            ``(i) 80 percent of the poverty line for calendar year 
        1994;
            ``(ii) 90 percent of the poverty line for calendar year 
        1995;
            ``(iii) 100 percent of the poverty line for calendar year 
        1996;
            ``(iv) 110 percent of the poverty line for calendar year 
        1997; and
            ``(v) 120 percent of the poverty line for calendar year 
        1998 and each calendar year thereafter.
    ``(B) As used in subparagraph (A), the term `poverty line' means, 
with respect to a family, the official poverty line (as defined by the 
Office of Management and Budget, and revised annually in accordance 
with section 673(2) of the Omnibus Budget Reconciliation Act of 1981) 
applicable to a family of the size involved.''.
            (3) No reduction in benefits.--The amendments made by this 
        subsection shall not apply to any individual or couple whose 
        supplemental security income benefits under title XVI of the 
        Social Security Act would be reduced by reason of such 
        application.
    (b) Elimination of Certain Resource Exclusions.--Section 1613 of 
such Act (42 U.S.C. 1382b) is amended--
            (1) in the 1st sentence of subsection (a)--
                    (A) in paragraph (2)--
                            (i) by striking ``(A)''; and
                            (ii) by striking subparagraph (B);
                    (B) in paragraph (4), by adding ``and'' at the end;
                    (C) by striking all that follows paragraph (6);
                    (D) in paragraph (6), by striking the semicolon and 
                inserting a period; and
                    (E) by striking paragraph (5) and redesignating 
                paragraph (6) as paragraph (5); and
            (2) by striking subsection (d).

SEC. 3. IN-KIND SUPPORT AND MAINTENANCE DISREGARDED IN DETERMINING 
              INCOME.

    Section 1612(a)(2) of the Social Security Act (42 U.S.C. 
1382a(a)(2)) is amended--
            (1) by inserting ``(other than support or maintenance 
        furnished in kind)'' after ``all other income'';
            (2) in subparagraph (A)--
                    (A) by striking ``or kind'';
                    (B) by striking clause (i) and redesignating 
                clauses (ii) and (iii) as clauses (i) and (ii), 
                respectively; and
                    (C) in clause (ii) (as so redesignated), by 
                striking ``and the provisions of clause (i) shall not 
                be applicable''.

SEC. 4. WORK INCENTIVE.

    Section 1612(b)(4) of the Social Security Act (42 U.S.C. 
1382a(b)(4)) is amended--
            (1) by striking ``$780'' each place such term appears and 
        inserting ``$2,400''; and
            (2) by striking ``one-half'' each place such term appears 
        and inserting ``\2/3\''.

SEC. 5. PHASED-IN EXPANSION OF ELIGIBILITY BY REASON OF AGE.

    (a) Age 64 for Calendar Year 1994.--
            (1) In general.--Section 1614(a)(1)(A) of the Social 
        Security Act (42 U.S.C. 1382c(a)(1)(A)) is amended by striking 
        ``65'' and inserting ``64''.
            (2) Conforming amendments.--
                    (A) Section 1615(a)(1) of such Act (42 U.S.C. 
                1382d(a)(1)) is amended by striking ``65'' and 
                inserting ``64''.
                    (B) Section 1612(b)(4) of such Act (42 U.S.C. 
                1382a(b)) is amended by striking ``65'' each place such 
                term appears and inserting ``64''.
            (3) Effective date.--The amendments made by this subsection 
        shall take effect on January 1, 1994.
    (b) Age 63 for Calendar Year 1995.--
            (1) In general.--Section 1614(a)(1)(A) of such Act (42 
        U.S.C. 1382c(a)(1)(A)), as amended by subsection (a)(1) of this 
        section, is amended by striking ``64'' and inserting ``63''.
            (2) Conforming amendments.--
                    (A) Section 1615(a)(1) of such Act (42 U.S.C. 
                1382d(a)(1)), as amended by subsection (a)(2)(A) of 
                this section, is amended by striking ``64'' and 
                inserting ``63''.
                    (B) Section 1612(b)(4) of such Act (42 U.S.C. 
                1382a(b)), as amended by subsection (a)(2)(B) of this 
                section, is amended by striking ``64'' each place such 
                term appears and inserting ``63''.
            (3) Effective date.--The amendments made by this subsection 
        shall take effect on January 1, 1995.
    (c) Age 62 Thereafter.--
            (1) In general.--Section 1614(a)(1)(A) of such Act (42 
        U.S.C. 1382c(a)(1)(A)), as amended by paragraph (2)(A) of this 
        subsection, is amended by striking ``63'' and inserting ``62''.
            (2) Conforming amendments.--
                    (A) Section 1615(a)(1) of such Act (42 U.S.C. 
                1382d(a)(1)), as amended by subsections (a)(2)(A) and 
                (b)(2)(A) of this section, is amended by striking 
                ``63'' and inserting ``62''.
                    (B) Section 1612(b)(4) of such Act (42 U.S.C. 
                1382a(b)), as amended by subsections (a)(2)(B) and 
                (b)(2)(B) of this section, is amended by striking 
                ``63'' each place such term appears and inserting 
                ``62''.
            (3) Effective date.--The amendments made by this subsection 
        shall take effect on January 1, 1996.
[EX A]: SSI Reform Act of 1993 - Amends title XVI (Supplemental Security Income) (SSI) of the Social Security Act to:  (1) increase the limit on the amount of income and resources needed to qualify for SSI; (2) increase the amount of SSI benefits payable; (3) eliminate certain resource exclusions and increase certain earned income exclusions; (4) disregard in-kind support and maintenance in determining income; and (5) phase-in an expansion of eligibility based on age.

[EX Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Torture Victims Relief Act''.

SEC. 2. FINDINGS.

    Congress makes the following findings:
            (1) The American people abhor torture by any government or 
        person. The existence of torture creates a climate of fear and 
        international insecurity that affects all people.
            (2) Torture is the deliberate mental and physical damage 
        caused by governments to individuals to destroy individual 
        personality and terrorize society. The effects of torture are 
        long term. Those effects can last a lifetime for the survivors 
        and affect future generations.
            (3) By eliminating leadership of their opposition and 
        frightening the general public, repressive governments often 
        use torture as a weapon against democracy.
            (4) Torture survivors remain under physical and 
        psychological threats, especially in communities where the 
        perpetrators are not brought to justice. In many nations, even 
        those who treat torture survivors are threatened with 
        reprisals, including torture, for carrying out their ethical 
        duties to provide care. Both the survivors of torture and their 
        treatment providers should be accorded protection from further 
        repression.
            (5) A significant number of refugees and asylees entering 
        the United States have been victims of torture. Those claiming 
        asylum deserve prompt consideration of their applications for 
        political asylum to minimize their insecurity and sense of 
        danger. Many torture survivors now live in the United States. 
        They should be provided with the rehabilitation services which 
        would enable them to become productive members of our 
        communities.
            (6) The development of a treatment movement for torture 
        survivors has created new opportunities for action by the 
        United States and other nations to oppose state-sponsored and 
        other acts of torture.
            (7) There is a need for a comprehensive strategy to protect 
        and support torture victims and their treatment providers, 
        together with overall efforts to eliminate torture.
            (8) By acting to heal the survivors of torture and protect 
        their families, the United States can help to heal the effects 
        of torture and prevent its use around the world.
            (9) The United States became a party to the Convention 
        Against Torture and Other Cruel, Inhuman, or Degrading 
        Treatment or Punishment on November 20, 1994, but has not 
        implemented Article 3 of the Convention.

SEC. 3. DEFINITIONS.

    As used in this Act:
            (1) In general.--Except as otherwise provided, the terms 
        used in this Act have the meanings given those terms in section 
        101(a) of the Immigration and Nationality Act (8 U.S.C. 
        1101(a)).
            (2) Torture.--The term ``torture'' has the meaning given 
        the term in section 2340(1) of title 18, United States Code, 
        and includes the use of rape and other forms of sexual violence 
        by a person acting under the color of law upon another person 
        under his custody or physical control.

SEC. 4. PROHIBITION ON INVOLUNTARY RETURN OF PERSONS FEARING SUBJECTION 
              TO TORTURE.

    (a) Prohibition.--Notwithstanding any other provision of law, the 
United States shall not expel, remove, extradite, or otherwise return 
involuntarily an individual to a country if there is substantial 
evidence that a reasonable person in the circumstances of that 
individual would fear subjection to torture in that country.
    (b) Definition.--For purposes of this section, the term ``to return 
involuntarily'', in the case of an individual, means--
            (1) to return the individual without the individual's 
        consent, whether or not the return is induced by physical force 
        and whether or not the person is physically present in the 
        United States; or
            (2) to take an action by which it is reasonably foreseeable 
        that the individual will be returned, whether or not the return 
        is induced by physical force and whether or not the person is 
        physically present in the United States.

SEC. 5. IMMIGRATION PROCEDURES FOR TORTURE VICTIMS.

    (a) Covered Aliens.--An alien described in this section is any 
alien who presents a claim of having been subjected to torture, or whom 
there is reason to believe has been subjected to torture.
    (b) Consideration of the Effects of Torture.--In considering an 
application by an alien described in subsection (a) for refugee status 
under section 207 of the Immigration and Nationality Act, asylum under 
section 208 of that Act, or withholding of removal under section 
241(b)(3) of that Act, the appropriate officials shall take into 
account--
            (1) the manner in which the effects of torture might affect 
        the applicant's responses in the application and in the 
        interview process or other immigration proceedings, as the case 
        may be;
            (2) the difficulties torture victims often have in 
        recounting their suffering under torture; and
            (3) the fear victims have of returning to their country of 
        nationality where, even if torture is no longer practiced or 
        the incidence of torture is reduced, their torturers may have 
        gone unpunished and may remain in positions of authority.
    (c) Expedited Processing of Refugee Admissions.--For purposes of 
section 207(c) of the Immigration and Nationality Act (8 U.S.C. 
1157(c)), refugees who have been subjected to torture shall be 
considered to be refugees of special humanitarian concern to the United 
States and shall be accorded priority for resettlement at least as high 
as that accorded any other group of refugees.
    (d) Processing for Asylum and Withholding of Removal.--Section 
235(b)(1)(A) of the Immigration and Nationality Act (8 U.S.C. 
1225(b)(1)(A)) is amended by adding at the end the following new 
clause:
                            ``(iv) Special procedures for aliens who 
                        are the victims of torture.--
                                    ``(I) Expedited procedures.--With 
                                the consent of the alien, an asylum 
                                officer or immigration judge shall 
                                expedite the scheduling of an asylum 
                                interview or a removal proceeding for 
                                any alien who presents a claim of 
                                having been subjected to torture, 
                                unless the evidence indicates that a 
                                delay in making a determination 
                                regarding the granting of asylum under 
                                section 208 of the Immigration and 
                                Nationality Act or the withholding of 
                                removal under section 241(b)(3) of that 
                                Act with respect to the alien would not 
                                aggravate the physical or psychological 
                                effects of torture upon the alien.
                                    ``(II) Delay of proceedings.--With 
                                the consent of the alien, an asylum 
                                officer or immigration judge shall 
                                postpone an asylum interview or a 
                                removal proceeding for any alien who 
                                presents a claim of having been 
                                subjected to torture, if the evidence 
                                indicates that, as a result of the 
                                alien's mental or physical symptoms 
                                resulting from torture, including the 
                                alien's inability to recall or relate 
                                the events of the torture, the alien 
                                will require more time to recover or be 
                                treated before being required to 
                                testify.
    (e) Parole in Lieu of Detention.--The finding that an alien is a 
person described in subsection (a) shall be a strong presumptive basis 
for a grant of parole, under section 212(d)(5) of the Immigration and 
Nationality Act (8 U.S.C. 1182(d)(5)), in lieu of detention.
    (f) Exemption From Expedited Removal.--Section 235(b)(1)(F) of the 
Immigration and Nationality Act (8 U.S.C. 1225(b)(1)(F)) is amended by 
inserting before the period at the end the following: ``, or to an 
alien described in section 5(a) of the Torture Victims Relief Act''.
    (g) Sense of Congress.--It is the sense of Congress that the 
Attorney General should allocate resources sufficient to maintain in 
the Resource Information Center of the Immigration and Naturalization 
Service current information relating to the use of torture in foreign 
countries.

SEC. 6. SPECIALIZED TRAINING FOR CONSULAR, IMMIGRATION, AND ASYLUM 
              PERSONNEL.

    (a) In General.--The Attorney General shall provide training for 
immigration inspectors and examiners, immigration officers, asylum 
officers, immigration judges, and all other relevant officials of the 
Department of Justice, and the Secretary of State shall provide 
training for consular officers, with respect to--
            (1) the identification of torture;
            (2) the identification of the surrounding circumstances in 
        which torture is most often practiced;
            (3) the long-term effects of torture upon a victim;
            (4) the identification of the physical, cognitive, and 
        emotional effects of torture, and the manner in which these 
        effects can affect the interview or hearing process; and
            (5) the manner of interviewing victims of torture so as not 
        to retraumatize them, eliciting the necessary information to 
        document the torture experience, and understanding the 
        difficulties victims often have in recounting their torture 
        experience.
    (b) Gender-Related Considerations.--In conducting training under 
subsection (a) (4) or (5), gender-specific training shall be provided 
on the subject of interacting with women and men who are victims of 
torture by rape or any other form of sexual violence.

SEC. 7. DOMESTIC TREATMENT CENTERS.

    (a) Amendment of the Immigration and Nationality Act.--Section 412 
of the Immigration and Nationality Act (8 U.S.C. 1522) is amended by 
adding at the end the following new subsection:
    ``(b) Assistance for Treatment of Torture Victims.--The Secretary 
may provide grants to programs in the United States to cover the cost 
of the following services:
            ``(1) Services for the rehabilitation of victims of 
        torture, including treatment of the physical and psychological 
        effects of torture.
            ``(2) Social and legal services for victims of torture.
            ``(3) Research and training for health care providers 
        outside of treatment centers, or programs for the purpose of 
        enabling such providers to provide the services described in 
        paragraph (1).''.
    (b) Funding.--
            (1) Authorization of appropriations.--Of the amounts 
        authorized to be appropriated for the Department of Health and 
        Human Services for fiscal years 1999, 2000, and 2001, but not 
        from funds made available to the Office of Refugee 
        Resettlement, there are authorized to be appropriated to carry 
        out section 412(g) of that Act (relating to assistance for 
        domestic centers and programs for the treatment of victims of 
        torture), as added by subsection (a), the following amounts for 
        the following fiscal years:
                    (A) For fiscal year 1999, $5,000,000.
                    (B) For fiscal year 2000, $7,500,000.
                    (C) For fiscal year 2001, $9,000,000.
            (2) Availability of funds.--Amounts appropriated pursuant 
        to this subsection shall remain available until expended.
    (c) Effective Date.--The amendment made by subsection (a) shall 
take effect on October 1, 1998.

SEC. 8. FOREIGN TREATMENT CENTERS.

    (a) Amendments of the Foreign Assistance Act of 1961.--Part I of 
the Foreign Assistance Act of 1961 (22 U.S.C. 2151 et seq.) is amended 
by adding at the end of chapter 1 the following new section:

``SEC. 129. ASSISTANCE FOR VICTIMS OF TORTURE.

    ``(a) In General.--The President is authorized to provide 
assistance for the rehabilitation of victims of torture.
    ``(b) Eligibility for Grants.--Such assistance shall be provided in 
the form of grants to treatment centers and programs in foreign 
countries that are carrying out projects or activities specifically 
designed to treat victims of torture for the physical and psychological 
effects of the torture.
    ``(c) Use of Funds.--Such assistance shall be available--
            ``(1) for direct services to victims of torture; and
            ``(2) to provide research and training to health care 
        providers outside of treatment centers or programs described in 
        subsection (b), for the purpose of enabling such providers to 
        provide the services described in paragraph (1).''.
    (b) Funding.--
            (1) Authorization of appropriations.--Of the amounts 
        authorized to be appropriated for fiscal years 1999, 2000, and 
        2001 pursuant to chapter 1 of part I of the Foreign Assistance 
        Act of 1961, there are authorized to be appropriated to the 
        President $5,000,000 for fiscal year 1999, $7,500,000 for 
        fiscal year 2000, and $9,000,000 for fiscal year 2001 to carry 
        out section 129 of the Foreign Assistance Act, as added by 
        subsection (a).
            (2) Availability of funds.--Amounts appropriated pursuant 
        to this subsection shall remain available until expended.
    (c) Effective Date.--The amendment made by subsection (a) shall 
take effect on October 1, 1998.

SEC. 9. MULTILATERAL ASSISTANCE.

    (a) Funding.--Of the amounts authorized to be appropriated for 
fiscal years 1999, 2000, and 2001 pursuant to chapter 1 of part I of 
the Foreign Assistance Act of 1961, there are authorized to be 
appropriated to the United Nations Voluntary Fund for Victims of 
Torture (in this section referred to as the ``Fund'') the following 
amounts for the following fiscal years:
            (1) Fiscal year 1999.--For fiscal year 1999, $3,000,000.
            (2) Fiscal year 2000.--For fiscal year 2000, $3,000,000.
            (3) Fiscal year 2001.--For fiscal year 2001, $3,000,000.
    (b) Availability of Funds.--Amounts appropriated pursuant to 
subsection (a) shall remain available until expended.
    (c) Sense of Congress.--It is the sense of Congress that the 
President, acting through the United States Permanent Representative to 
the United Nations, should--
            (1) request the Fund--
                    (A) to find new ways to support and protect 
                treatment centers and programs that are carrying out 
                rehabilitative services for victims of torture; and
                    (B) to encourage the development of new such 
                centers and programs;
            (2) use the voice and vote of the United States to support 
        the work of the Special Rapporteur on Torture and the Committee 
        Against Torture established under the Convention Against 
        Torture and Other Cruel, Inhuman or Degrading Treatment or 
        Punishment; and
            (3) use the voice and vote of the United States to 
        establish a country rapporteur or similar procedural mechanism 
        to investigate human rights violations in a country if either 
        the Special Rapporteur or the Committee Against Torture 
        indicates that a systematic practice of torture is prevalent in 
        that country.
[EX A]: Torture Victims Relief Act - Prohibits the United States from expelling, removing, extraditing, or otherwise involuntarily returning an individual to a country if there is substantial evidence that a reasonable person in the circumstances of that individual would fear subjection to torture in that country. 
(Sec. 5) Covers within this Act any alien presenting a claim of having been tortured, or whom there is reason to believe has been tortured. 
Sets forth provisions regarding:  (1) consideration by appropriate officials of the effects of torture; (2) expedited processing of refugee admissions and for asylum and withholding of removal; (3) granting parole in lieu of detention for such an individual under the Immigration and Nationality Act; and (4) exemption of such an individual from expedited removal pursuant to such Act. 
Expresses the sense of the Congress that the Attorney General should allocate sufficient resources to maintain in the Immigration and Naturalization Service's Resource Information Center current information relating to the use of torture in foreign countries. 
(Sec. 6) Directs the Attorney General to provide training for immigration inspectors and examiners, immigration officers, asylum officers, immigration judges, and other relevant Department of Justice officials, and directs the Secretary of State to provide training for consular officers, regarding the identification of torture, the surrounding circumstances most often practiced, the long-term effects upon a victim, the identification of the physical, cognitive, and emotional effects of torture, and the appropriate manner of interviewing torture victims. 
(Sec. 7) Amends the Immigration and Nationality Act to authorize the Secretary of Health and Human Services to provide grants to programs in the United States to cover the cost of specified services for torture victims.  Authorizes the appropriation of funds for assistance for domestic centers and programs for the treatment of torture victims. 
(Sec. 8) Amends the Foreign Assistance Act of 1961 to authorize the President to provide grants to treatment centers and programs in foreign countries which are specifically carrying out projects or activities to treat victims of torture.  Authorizes appropriations. 
(Sec. 9) Authorizes appropriations to the United Nations Voluntary Fund for Victims of Torture for FY 1999 through 2001.

[EX Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Cheaper Car Insurance Act of 2010''.

SEC. 2. AUTOMOBILE INSURANCE FRAUD.

    (a) In General.--Chapter 47 of title 18, United States Code, is 
amended by inserting at the end the following:

``SEC. 1041. AUTOMOBILE INSURANCE FRAUD.

    ``(a) In General.--
            ``(1) Whoever knowingly commits automobile insurance fraud 
        shall be punished as provided in subsection (b).
            ``(2) Whoever knowingly acts as a runner, capper, or 
        steerer shall be punished as provided in subsection (b).
            ``(3) Whoever knowingly acts as an organizer of an auto 
        insurance fraud operation shall be punished as provided in 
        subsection (b).
            ``(4) Whoever knowingly acts as a mastermind or leader of 
        an auto insurance fraud operation shall be punished as provided 
        in subsection (b).
    ``(b) Penalties.--The punishment for an offense under subsection 
(a) shall be as follows:
            ``(1) For any violation of subsection (a)(1) in which the 
        defendant is not also convicted of being a runner, capper, or 
        steerer under subsection (a)(2), an organizer under subsection 
        (a)(3), or a leader or master mind under subsection (a)(4), 
        such person shall be fined not more than $100,000, imprisoned 
        not more than 5 years, or both. If the defendant has a prior 
        conviction under subsection (a)(1), such person shall be fined 
        not more than $100,000, imprisoned not more than 10 years, or 
        both.
            ``(2) For any violation of subsection (a)(2), such person 
        shall be fined not more than $100,000, imprisoned not more than 
        5 years, or both.
            ``(3) For any violation of subsection (a)(3), such person 
        shall be fined not more than $100,000, imprisoned not more than 
        10 years, or both.
            ``(4) For any violation of subsection (a)(4), such person 
        shall be fined not more than $100,000, imprisoned not more than 
        15 years, or both.
    ``(c) Increased Fine.--If a violation of subsection (a) results in 
costs that exceed $100,000, the fine imposed under subsection (b) may 
be in an amount greater than $100,000 in order to cover the resulting 
cost.
    ``(d) Definitions.--In this section--
            ``(1) the term `automobile insurance fraud' means fraud 
        committed by any person who knowingly and intentionally 
        presents a written statement or claim, causes a written 
        statement or claim to be presented, or prepares a written 
        statement or claim with knowledge or belief that it will be 
        presented to or by an insurer, self-insurer, or any agent 
        thereof, that such person knows--
                    ``(A) contains materially false information 
                concerning any fact material to an application, 
                certificate, evidence, or claim referred to in 
                paragraph (2); or
                    ``(B) conceals, for the purpose of misleading, 
                information concerning any fact material to an 
                application, certificate, evidence, or claim referred 
                to in paragraph (2);
            ``(2) the term `mastermind' or `leader' means any 
        individual who knowingly solicits or employs 2 or more people, 
        or conspires with 2 or more people, to engage in automobile 
        insurance fraud, and who is not also a runner, capper, steerer, 
        or an organizer;
            ``(3) the term `organizer' means any individual who 
        knowingly solicits or employs a runner, capper, or steerer, or 
        acts as a runner, capper, or steerer, with the intent of 
        seeking to falsely or fraudulently obtain benefits under a 
        contract of insurance, or to falsely or fraudulently assert a 
        claim against an insured or an insurer for providing services 
        to a client, patient, or customer;
            ``(4) the term `runner, capper, or steerer' means any 
        person who, for either direct or indirect pecuniary benefit, 
        knowingly procures or attempts to procure a client, patient, or 
        customer at the direction of, or in cooperation with, a person 
        committing automobile insurance fraud under subsection (a), 
        regardless of whether or not the person otherwise participates 
        in the fraud; and
            ``(5) the term `written statement or claim' means a written 
        statement or submission by telephone, computer, or in any other 
        electronic or digital form, that is part of, or in support of--
                    ``(A) an application for the issuance of or the 
                rating of a commercial insurance policy;
                    ``(B) a certificate or evidence of self-insurance 
                for commercial insurance or commercial self-insurance; 
                or
                    ``(C) a claim for payment or other benefit pursuant 
                to an insurance policy or self-insurance program for 
                commercial or personal insurance.''.
    (b) Conforming Amendment.--The chapter analysis for chapter 47 of 
title 18, United States Code, is amended by adding at the end the 
following:

``1041. Automobile insurance fraud''.

SEC. 3. BEST PRACTICES.

    (a) In General.--The Department of Justice shall publish best 
practices for the States to use--
            (1) in licensing auto body shops that perform work paid for 
        by insurers; and
            (2) in licensing medical treatment provided to people who 
        are injured in automobile accidents.
    (b) Goal.--The goal of publishing best practices as required under 
subsection (a) is to encourage the States to adopt such practices to 
limit the feasibility of committing insurance fraud.

SEC. 4. INVESTIGATION OF FRAUDULENT PRACTICES.

    (a) In General.--The Attorney General shall cooperate with the 
offices of the United States Attorneys to--
            (1) aggressively investigate fraudulent chop shops and 
        salvage yards;
            (2) aggressively prosecute automobile insurance fraud (as 
        defined in section 1041 of title 18, United States Code, as 
        added by section 2); and
            (3) report statistics on investigations, prosecutions, and 
        convictions of automobile insurance fraud.
    (b) Reporting.--Statistics referred to in subsection (a)(3) shall 
be reported to the Committee on the Judiciary of the Senate and the 
appropriate Committee of the House of Representatives.

SEC. 5. FEDERAL-STATE-LOCAL ANTI-AUTO INSURANCE TASK FORCE.

    (a) Establishment of Units.--The Attorney General shall establish 
Federal-State-Local Anti-Auto Insurance Fraud Task Forces in the 
offices of the United States Attorneys in the 10 cities in the United 
States that are most severely affected, as determined by the Attorney 
General, by automobile insurance fraud (as defined in section 1041 of 
title 18, United States Code, as added by section 2).
    (b) Purpose.--The special units established under subsection (a) 
shall investigate and prosecute automobile insurance fraud.
    (c) Authorization of Appropriations.--There are authorized to be 
appropriated to carry out this section for fiscal year 2011, and each 
fiscal year thereafter, such sums as are necessary to carry out the 
provisions of this Act.

SEC. 6. INSURANCE COMPANY RIGHT TO MANDATORY INSPECTION BEFORE 
              INSURING.

    (a) Right of Inspection.--An insurance company shall have the right 
to require a mandatory inspection by an insurance company 
representative or agent of any motor vehicle prior to agreeing to 
provide insurance coverage, except as provided under subsection (b).
    (b) Exemption From Pre-Insurance Inspection.--The right to inspect 
under subsection (a) may be waived by an insurance company under the 
following circumstances:
            (1) The motor vehicle is already insured under the policy 
        for either comprehensive or collision coverage.
            (2) The motor vehicle is a new vehicle purchased from a 
        retail dealership, and the insurer is provided with--
                    (A) a copy of the bill of sale containing a full 
                description of the motor vehicle, including options and 
                accessories, and a statement from the seller that the 
                motor vehicle has no damage; or
                    (B) a copy of the Manufacturer Statement of Origin, 
                a statement from the seller that the motor vehicle has 
                no damage, and a copy of the window sticker or dealer 
                invoice containing a full description of the motor 
                vehicle, including options or accessories.
            (3) An insured named in the policy has been insured by the 
        same insurer for 1 or more policy years under a policy that has 
        continuously provided physical damage coverage.
            (4) The motor vehicle is rented or leased for less than 6 
        months, provided that the insurer is given a copy of the lease 
        or rental agreement, and that the document contains a complete 
        description of the rented or leased motor vehicle, including 
        its condition at the time of lease or rental.
            (5) The motor vehicle is rated or insured under a 
        commercial automobile insurance policy.
            (6) When pre-insurance inspection would cause serious 
        hardship to the insured or applicant for insurance, and the 
        hardship is documented in records maintained by the insurer.
    (c) Non-Discrimination of Pre-Insurance Inspections.--An insurer 
may require a pre-insurance inspection of an otherwise exempt motor 
vehicle. The decision to require a pre-insurance inspection of an 
exempt vehicle shall not be based on the age, race, sex, religion, or 
marital status of the applicant or insured, or the fact that the motor 
vehicle has been insured through a residual or non-voluntary insurance 
market.
[EX A]:
Cheaper Car Insurance Act of 2010 - Amends the federal criminal code to impose criminal penalties on anyone who knowingly: (1) commits automobile insurance fraud; or (2) acts as a runner, capper, steerer, organizer, mastermind, or leader of an auto insurance fraud operation.

Directs the Department of Justice (DOJ) to publish best practices for states to use in licensing: (1) auto body shops that perform work paid for by insurers; and (2) medical treatment for people injured in auto accidents.

Directs the Attorney General to: (1) cooperate with the offices of the United States attorneys to investigate fraudulent chop shops and salvage yards, prosecute automobile insurance fraud, and report statistics on investigations, prosecutions, and convictions of automobile insurance fraud; and (2) establish Federal-State-Local Anti-Auto Insurance Fraud Task Forces in cities most severely affected by automobile insurance fraud.

Grants an insurance company the right to require a mandatory inspection of any motor vehicle prior to agreeing to provide insurance coverage and to waive such right under specified circumstances.