Since 2019, Securing Our Future (SOF) has made a meaningful impact by advocating on critical issues affecting consumers at both the state and federal levels. Our advocates don’t just spread awareness; they drive actionable change. Below are highlights:
Total SOF Advocates
Total letters sent by SOF Advocates
Legislators reached by SOF Advocates
In the map below, you’ll see a snapshot of how Securing Our Future is helping advocate for smart public policies that ensure a safe and secure future for all Americans.
Oklahoma
In the spring of 2026, two harmful rate regulations bills were defeated in Oklahoma. If passed, these bills could have significantly expanded regulation and limited insurers' ability to manage risk, which could have reduced market competition and driven up premiums for Oklahoma residents.South Dakota
In early 2026, South Dakota lawmakers defeated SB 227. If passed, the bill could have undermined the state’s current auto repair safety and flexibility, putting South Dakotans at risk of sharing the road with unsafe vehicles while potentially paying more for their insurance.New York
In 2026, Governor Hochul signed several legal system abuse reforms into law as part of the New York state budget. These reforms help strengthen the serious injury threshold, cap non-economic damages, and reform comparative negligence rules, helping to stop bad actors from exploiting the system and driving up costs for New Yorkers.Oregon
In early 2026, HB 4098, a bad faith bill, was defeated in the Oregon Legislature. If passed, this bill could have driven up the cost of living and stifled growth for small businesses that employ more than half of Oregon's workers.Maryland
In the spring of 2026, the Maryland General Assembly converted HB 476 into a study. If passed, the bill could have removed the current legal caps on non-monetary damages in personal injury or wrongful death lawsuits, likely raising insurance costs for Marylanders and small businesses.Utah
In early 2026, SB 211, a harmful bill, was defeated in the Utah Legislature. If passed, this bill could have driven up costs for Utahns. The bill’s defeat helps ensure that lawsuit compensation remains based on real costs rather than fictional list prices that no one actually pays. This victory stops "phantom damages" from driving up costs for Utah families and businesses.Virginia
In 2024, advocates sent letters to Virginia lawmakers and the Governor, which secured crucial amendments to Senate Bill 256 and helped reduce the award amount in bad-faith lawsuits.Rhode Island
In 2025, the misguided H 5104 was defeated, which could have driven up insurance costs.Oregon
In 2023 and 2025, advocates helped defeat bills that could have raised premiums and disrupted the insurance market, protecting families and small businesses.New Mexico
In 2025, HB 80, a bill to ban credit-based insurance scoring, was defeated. This win will help protect accurate underwriting and affordable insurance for New Mexico families.Maryland
In 2025, fairness in Maryland’s courts was preserved because HB 113 was defeated. The bill could have removed caps on non-economic damages and raised costs.Missouri
In 2025, advocates advanced bills to close loopholes in third-party litigation (SB 267/SB 268) and settlement demands that manipulate the system and drive up costs for families and businesses (HB 437/SB 312).Louisiana
In 2024, the Governor signed HB 337, a direct actions reform bill, and SB 355, an amended third-party litigation funding bill, to address legal system abuse.Georgia
In 2025, SB 68 and SB 69 were signed into law by the Governor. This victory will help deliver meaningful reforms to curb legal system abuse and protect consumers and businesses.Florida
In 2025, advocates helped stop bills that could have increased insurance costs and dismantled key improvements to the state’s legal and insurance climate (HB 1181, HB 947/SB 1520, and HB 1551/SB 426).Arizona
In 2025, SB 1215 was signed into law by the Governor. This hard-fought victory will help bring more transparency and accountability to the current legal system and help protect Arizonans from legal system abuse.Learn how you can help support effective public policy in
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