New York A 2189: Increases the minimum insurance coverage requirements for automobiles registered and/or operated within the state of New York

Bill Text

Bill Search and Legislative Information | New York State Assembly 

• 

• 

• 

• 

• 

• 

• 

• 

 Skip to main content 

 New York State Assembly

 Speaker Carl E. Heastie

 --> 
 --> 

 --> 

• 
 Assembly Members 

• 
 Legislative Info 

• 
 Public Hearings 

• 
 Speaker's Press 

• 
 Assembly Reports 

• 
 Committees & More 

• Bill Search Home
• Laws
• Legislative Calendar
• Public Hearing Schedule
• Assembly Calendars
• Assembly Committee Agenda 

 Javascript must be enabled to properly view this page. 

 Bill No.: 

• Summary 
• Actions 
• Committee&nbspVotes 
• Floor&nbspVotes 
• Memo 
• Text 
• LFIN 
• Chamber&nbspVideo/Transcript 
A02189 Summary:

BILL NOA02189 

&nbsp

SAME ASNo Same As

&nbsp

SPONSORHyndman

&nbsp

COSPNSRHooks

&nbsp

MLTSPNSR

&nbsp

Amd §§311 & 345, V & T L; amd §§3420 & 5210, Ins L

&nbsp

Increases the minimum insurance coverage requirements for automobiles registered and/or operated within the state of New York.

Go to top A02189 Actions:

BILL NOA02189 

&nbsp

01/15/2025referred to insurance

01/07/2026referred to insurance

Go to topA02189 Committee&nbspVotes:

Go to topA02189 Floor&nbspVotes:

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

Go to topA02189 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 2189

 2025-2026 Regular Sessions

 IN ASSEMBLY

 January 15, 2025
 ___________

 Introduced by M. of A. HYNDMAN -- read once and referred to the Commit-
 tee on Insurance

 AN ACT to amend the vehicle and traffic law and the insurance law, in
 relation to increasing the minimum insurance coverage requirements for
 automobiles registered and/or operated within the state of New York

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

 1 Section 1. Paragraph (a) of subdivision 4 and subdivision 7 of section
 2 311 of the vehicle and traffic law, paragraph (a) of subdivision 4 as
 3 amended by chapter 305 of the laws of 1995 and subdivision 7 as amended
 4 by chapter 805 of the laws of 1984, are amended to read as follows:
 5 (a) Affording coverage as defined in the minimum provisions prescribed
 6 in a regulation which shall be promulgated by the superintendent at
 7 least ninety days prior to effective date of this act. The superinten-
 8 dent before promulgating such regulations or any amendment thereof,
 9 shall consult with all insurers licensed to write automobile liability
 10 insurance in this state and shall not prescribe minimum provisions which
 11 fail to reflect the provisions of automobile liability insurance poli-
 12 cies, other than motor vehicle liability policies as defined in section
 13 three hundred forty-five of this [chapter] title, issued within this
 14 state at the date of such regulation or amendment thereof. Nothing
 15 contained in such regulation or in this article shall prohibit any
 16 insurer from affording coverage under an owner's policy of liability
 17 insurance more liberal than that required by said minimum provisions.
 18 Every such owner's policy of liability insurance shall provide insurance
 19 subject to said regulation against loss from the liability imposed by
 20 law for damages, including damages for care and loss of services,
 21 because of bodily injury to or death of any person and injury to or
 22 destruction of property arising out of the ownership, maintenance, use,
 23 or operation of a specific motor vehicle or motor vehicles within the
 24 state of New York, or elsewhere in the United States in North America or

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD05000-01-5

 A. 2189 2

 1 the Dominion of Canada, subject to a limit, exclusive of interest and
 2 costs, with respect to each such motor vehicle except a tow truck, of
 3 [twenty-five] two hundred fifty thousand dollars because of bodily inju-
 4 ries to and [fifty] five hundred thousand dollars because of death of
 5 one person in any one accident and, subject to said limit for one
 6 person, to a limit of [fifty] five hundred thousand dollars because of
 7 bodily injury to and one [hundred thousand] million dollars because of
 8 death of two or more persons in any one accident, and to a limit of
 9 [ten] twenty-five thousand dollars because of injury to or destruction
 10 of property of others in any one accident provided, however, that such
 11 policy need not be for a period coterminous with the registration period
 12 of the vehicle insured. The limit, exclusive of interest and costs, with
 13 respect to a tow truck shall be a combined single limit of at least
 14 three hundred thousand dollars because of bodily injury or death to one
 15 or more persons or because of injury or destruction of property of
 16 others in any one accident, and to a limit of twenty-five thousand
 17 dollars because of damage to a vehicle in the care, custody and control