New York S 5130: Relates to requiring the metropolitan transportation authority to create ten-year capital program plans

Bill Text

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S05130 Summary:

BILL NOS05130 

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SAME ASNo Same As

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SPONSORCOMRIE

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COSPNSR

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MLTSPNSR

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Amd §§3216, 3221, 3425, 4304 & 4305, Ins L

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Requires health and motor vehicle insurance policies to notify policyholders of cancellation, discontinuance or major changes to their policy via email and to offer paperless notification upon the issuance of such policies.

Go to top S05130 Actions:

BILL NOS05130 

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02/19/2025REFERRED TO INSURANCE

01/07/2026REFERRED TO INSURANCE

Go to topS05130 Committee&nbspVotes:

Go to topS05130 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topS05130 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 5130

 2025-2026 Regular Sessions

 IN SENATE

 February 19, 2025
 ___________

 Introduced by Sen. COMRIE -- read twice and ordered printed, and when
 printed to be committed to the Committee on Insurance

 AN ACT to amend the insurance law, in relation to requiring health and
 motor vehicle insurance policies to notify policyholders of cancella-
 tion, discontinuance or major changes to their policy via email and to
 offer paperless notification upon the issuance of such policies

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. The opening paragraph of subparagraph (H) of paragraph 2 of
 2 subsection (d) of section 3216 of the insurance law, as amended by chap-
 3 ter 344 of the laws of 1994, is amended to read as follows:
 4 CANCELLATION: Within the first ninety days after the date of issue,
 5 the insurer may cancel this policy by written notice delivered to the
 6 insured, or sent by first class mail to [his] the insured's last address
 7 as shown by the records of the insurer, and shall also give such notice
 8 by email if the insurer has the insured's email address on file stating
 9 when, not less than ten days thereafter, such cancellation shall be
 10 effective. In the event of cancellation, the insurer will return prompt-
 11 ly the pro-rata unearned portion of any premium paid. Cancellation shall
 12 be without prejudice to any claim originating prior to the effective
 13 date of cancellation.
 14 § 2. Subsection (c) of section 3216 of the insurance law is amended by
 15 adding a new paragraph 16 to read as follows:
 16 (16) That the insurer offers the person applying for such policy the
 17 option to receive all notifications required by this section electron-
 18 ically.
 19 § 3. Subparagraph (A) of paragraph 1 of subsection (d) of section 3216
 20 of the insurance law, as amended by chapter 13 of the laws of 2002, is
 21 amended to read as follows:
 22 (A) ENTIRE CONTRACT; CHANGES: This policy, including the endorsements
 23 and the attached papers, if any, constitutes the entire contract of

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD05954-01-5

 S. 5130 2

 1 insurance. No change in this policy shall be valid until approved by an
 2 executive officer of the insurer and unless such approval be endorsed
 3 hereon or attached hereto. No agent or broker has authority to change
 4 this policy or to waive any of its provisions. The insurer shall notify
 5 the insured of any major change made to this policy via email if the
 6 insurer has the insured's email address on file.
 7 § 4. Subparagraph (B) of paragraph 3 of subsection (g) of section 3216
 8 of the insurance law, as added by chapter 661 of the laws of 1997, is
 9 amended to read as follows:
 10 (B) the insurer provides written notice of such discontinuance, and
 11 notice via email if the insurer has the insured's email address on file,
 12 to each covered individual at least one hundred eighty days prior to the
 13 date of termination of such coverage;
 14 § 5. Subparagraph (B) of paragraph 2 of subsection (g) of section 3216
 15 of the insurance law, as added by chapter 661 of the laws of 1997, is
 16 amended to read as follows:
 17 (B) the insurer provides written notice of such discontinuance, and
 18 notice via email if the insurer has the insured's email address on file,
 19 to each covered individual at least ninety days prior to the date of
 20 discontinuance of such coverage;
 21 § 6. Paragraph