New York A 3785: Enacts provisions to reduce the incidence of motor vehicle insurance fraud and motor vehicle theft

Bill Text

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A03785 Summary:

BILL NOA03785 

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SAME ASNo Same As

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SPONSORWeprin

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COSPNSR

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MLTSPNSR

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Amd §§401, 405 & 2133, Ins L; amd §§165.06, 170.10, 176.05, 176.15 & 170.15, add §175.50, Pen L; add §201-a,
amd §§401 & 502, V & T L

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Grants the superintendent of financial services authority to investigate fraudulent activities, such as motor vehicle operators who drive with no insurance coverage, and those who misrepresent their principal place of residence or where their motor vehicle is principally garaged and operated; authorizes such superintendent to accept reports of suspected fraudulent insurance actions; requires insurance companies and self-insurers to report incidents of insurance fraud to the department of financial services; includes within the class D felony of forgery in the second degree, the forgery of a certificate of insurance or an insurance identification card; includes within the class C felony of forgery in the first degree, the forgery of 10 or more written instruments; includes within the class E felony of insurance fraud in the fourth degree, the operation of a motor vehicle in this state when the vehicle is insured in another state, but it is actually garaged in this state or the owner principally resides in this state; requires applicants for motor vehicle registrations and driver's licenses to provide the department of motor vehicles with the address of their principal place of residence; relates to the crime of unauthorized use of a motor vehicle; adds other motor vehicle related crimes as predicate crimes which may increase punishment for unauthorized use of a motor vehicle in the second degree when one is convicted of such crimes within the preceding ten years.

Go to top A03785 Actions:

BILL NOA03785 

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01/30/2025referred to insurance

01/07/2026referred to insurance

Go to topA03785 Committee&nbspVotes:

Go to topA03785 Floor&nbspVotes:

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

Go to topA03785 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 3785

 2025-2026 Regular Sessions

 IN ASSEMBLY

 January 30, 2025
 ___________

 Introduced by M. of A. WEPRIN -- read once and referred to the Committee
 on Insurance

 AN ACT to amend the insurance law, the penal law and the vehicle and
 traffic law, in relation to insurance fraud and combatting the theft
 of motor vehicles

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

 1 Section 1. Section 401 of the insurance law is amended by adding a new
 2 subsection (d) to read as follows:
 3 (d) The superintendent shall have authority pursuant to this chapter
 4 to investigate fraudulent activities with regard to individuals that
 5 operate motor vehicles with no insurance coverage, and motor vehicle
 6 insureds who misrepresent the principal place where insured motor vehi-
 7 cles are garaged and operated. Operating motor vehicles without proper
 8 insurance in violation of article six of the vehicle and traffic law is
 9 a significant danger to the public because drivers are unable to compen-
 10 sate individuals for personal injuries, death and property damage they
 11 inflict upon others. Furthermore, motor vehicle insureds who misrepre-
 12 sent the principal place where such vehicles are garaged and operated
 13 improperly shift their high liability exposure costs to other motor
 14 vehicle insureds that do not face such high liability risk and insurance
 15 premium costs.
 16 § 2. Subsection (a) of section 405 of the insurance law, as amended by
 17 section 7 of part A of chapter 62 of the laws of 2011, is amended to
 18 read as follows:
 19 (a) Any person licensed or registered pursuant to the provisions of
 20 this chapter, and any person engaged in the business of insurance or
 21 life settlement in this state who is exempted from compliance with the
 22 licensing requirements of this chapter, including the state insurance
 23 fund of this state, who has reason to believe that an insurance trans-
 24 action or life settlement act may be fraudulent, or has knowledge that a

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD07225-01