New York S 1591: Relates to electric bicycles

Bill Text

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S01591 Summary:

BILL NOS01591 

&nbsp

SAME ASNo Same As

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SPONSORLANZA

&nbsp

COSPNSR

&nbsp

MLTSPNSR

&nbsp

Amd §3411, Ins L

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Authorizes insurers to allow the insured to take and submit photographs of their automobile for purposes of the issuance or renewal of a policy of automobile physical damage insurance.

Go to top S01591 Actions:

BILL NOS01591 

&nbsp

01/10/2025REFERRED TO INSURANCE

01/07/2026REFERRED TO INSURANCE

Go to topS01591 Committee&nbspVotes:

Go to topS01591 Floor&nbspVotes:

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

Go to topS01591 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 1591

 2025-2026 Regular Sessions

 IN SENATE

 January 10, 2025
 ___________

 Introduced by Sen. LANZA -- 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 submission by an
 insured of vehicle photographs for purposes of the issuance or renewal
 of a policy of automobile physical damage 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 or 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 or
 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

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD00535-01-5

 S. 1591 2

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