New York S 4397: Provides for a 5% automobile insurance premium reduction for non-commercial passenger motor vehicles equipped with an operating dashboard camera

Bill Text

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 Speaker Carl E. Heastie

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S04397 Summary:

BILL NOS04397 

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SAME ASSAME AS A05004

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SPONSORCOMRIE

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COSPNSR

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MLTSPNSR

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Amd §2336, add §5110, Ins L; amd §§301 & 375, add §322, V & T L; add §4552, CPLR; add §60.80, CP L

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Provides for a 5% automobile insurance premium reduction for non-commercial passenger motor vehicles equipped with an operating dashboard camera; establishes means for certification of the installation of such camera; establishes civil penalties for false certification of such installation; provides for insurer review during claims settlement of the images from dashboard cameras; provides for the certification of the installation of operating dashboard cameras during the annual motor vehicle inspection; directs the commissioner of motor vehicles to establish standards for dashboard cameras; provides for the introduction as evidence of dashboard camera images into evidence in civil and criminal proceedings.

Go to top S04397 Actions:

BILL NOS04397 

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02/04/2025REFERRED TO INSURANCE

01/07/2026REFERRED TO INSURANCE

Go to topS04397 Committee&nbspVotes:

Go to topS04397 Floor&nbspVotes:

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

Go to topS04397 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 4397

 2025-2026 Regular Sessions

 IN SENATE

 February 4, 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, the vehicle and traffic law, the
 civil practice law and rules and the criminal procedure law, in
 relation to dashboard cameras

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

 1 Section 1. Section 2336 of the insurance law is amended by adding a
 2 new subsection (i) to read as follows:
 3 (i) (1) Any schedule or rating plan for non-commercial private passen-
 4 ger insurance shall provide for a five percent reduction in premium
 5 charges for bodily injury liability, property damage liability, personal
 6 injury protection, medical payments and collision coverage with respect
 7 to automobiles equipped with an operating dashboard camera that complies
 8 with the rules and regulations of the commissioner of motor vehicles
 9 promulgated pursuant to subdivision fifty-eight of section three hundred
 10 seventy-five of the vehicle and traffic law. Each insurer may establish
 11 such requirements as it shall deem necessary for the submission of proof
 12 and certification that such a dashboard camera has been installed in the
 13 insured automobile and that such camera is in operating condition. The
 14 superintendent shall, in consultation with the commissioner of motor
 15 vehicles, promulgate rules and regulations.
 16 (2) In any instance in which an insured is receiving the premium
 17 reduction provided in paragraph one of this subsection and the insured
 18 has falsely certified that their automobile is equipped with an operat-
 19 ing dashboard camera or the dashboard camera is no longer in operating
 20 condition while the automobile is being operated, the insurer may impose
 21 a civil penalty upon such insured equal to the premium reduction granted
 22 for the dashboard camera for one year or for the period such reduction
 23 was wrongfully granted, whichever shall be shorter. Furthermore, an
 24 insurer may thereafter deny the provision of such premium reduction

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD05819-01-5

 S. 4397 2

 1 regardless of whether a suitable dashboard camera is installed in the
 2 automobile in the future.
 3 (3) Every insurer shall include in each certification completed by an
 4 insured pursuant to this subsection, a statement of the imposition of
 5 the civil penalty authorized by paragraph two of this subsection in the
 6 event such certification is false. In addition each such certification
 7 shall inform the insured of their duty to maintain the dashboard camera
 8 in working condition at all times.
 9 § 2. The insurance law is amended by adding a new section 5110 to read
 10 as follows:
 11 § 5110. Review of dashboard camera images. (a) Every