New York A 3367: Authorizes self-submission of vehicle photographs and inspection for auto insurance

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A03367 Summary:

BILL NOA03367 

&nbsp

SAME ASNo Same As

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SPONSORHyndman

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COSPNSR

&nbsp

MLTSPNSR

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Amd §3411, Ins L

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Authorizes self-submission of vehicle photographs and inspection for auto insurance for personal insurance; not applicable to vehicles insured by the New York automobile insurance plan.

Go to top A03367 Actions:

BILL NOA03367 

&nbsp

01/27/2025referred to insurance

01/07/2026referred to insurance

Go to topA03367 Committee&nbspVotes:

Go to topA03367 Floor&nbspVotes:

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

Go to topA03367 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 3367

 2025-2026 Regular Sessions

 IN ASSEMBLY

 January 27, 2025
 ___________

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

 AN ACT to amend the insurance law, in relation to self-submission for
 automobile insurance

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

 1 Section 1. Subsections (e), (f) and (h) of section 3411 of the insur-
 2 ance law, subsections (e) and (f) as added by chapter 805 of the laws of
 3 1984, are amended and a new subsection (o) is added to read as follows:
 4 (e) For a renewal of a policy referred to in subsection (d) of this
 5 section, an insurer may require, as a condition of such renewal, that
 6 the automobile be made available for inspection by the insurer, the
 7 insurer's authorized representative, or by the insured pursuant to
 8 subsection (o) of this section.
 9 (f) If an insurer requests an inspection pursuant to subsection (e) of
 10 this section, the insured shall make the automobile available for
 11 inspection by the insurer or the insurer's authorized representative,
 12 upon reasonable notice. The insurer may also, upon reasonable notice,
 13 allow the insured to complete the automobile inspection pursuant to
 14 subsection (o) of this section. If the insured, upon reasonable notice,
 15 fails to make the automobile available for inspection by the insurer,
 16 the insurer's authorized representative, or by completing the inspection
 17 pursuant to subsection (o) of this section, the insurer may refuse to
 18 continue such physical damage coverage.
 19 (h) Where an inspection is made pursuant to this section, it shall be
 20 conducted by the insurer [or its], the insurer's authorized represen-
 21 tative, or by the insured pursuant to subsection (o) of this section,
 22 and shall be recorded on a form prescribed by the superintendent. Such
 23 form shall be retained by the insurer with its policy records for such
 24 insured, and a copy of such form shall be made available to the insured
 25 upon request.

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD05216-01-5

 A. 3367 2

 1 (o) (1) An insurer may, at its option, comply with subsections (d) and
 2 (e) of this section by allowing the insured to self-inspect the insured
 3 vehicle and self-submit documentation establishing the inspection,
 4 consistent with the requirements of this subsection. An insurer is not
 5 required to comply with subsections (d) and (e) of this section by
 6 allowing the insured to self-inspect the insured vehicle.
 7 (2) The self-inspection option available pursuant to this subsection
 8 shall only apply to vehicles insured by personal lines insurance.
 9 (3) The self-inspection option available pursuant to this subsection
 10 shall not apply to vehicles insured by the New York automobile insurance
 11 plan.
 12 (4) To perform an automobile inspection pursuant to this subsection,
 13 the insured must, at minimum, submit the following documents to the
 14 insurer or the insurer's authorized representative:
 15 a. digital photographs of the insured vehicle; and
 16 b. the signed, completed inspection form referenced in subsection (h)
 17 of this section.
 18 (5) An automobile inspection performed pursuant to this subsection is
 19 deemed complete only when the insurer or its authorized representative
 20 has received both the signed, completed inspection form and the required
 21 digital photographs.
 22 (6) Each digital photograph submitted by the insured must be in color,
 23 clear, and