A03172 Summary:
BILL NO | A03172A |
  | |
SAME AS | SAME AS S05889 |
  | |
SPONSOR | Zebrowski |
  | |
COSPNSR | Gunther, Bronson, Weprin, Steck, Hunter, Stirpe, Wallace, McDonald, Chandler-Waterman, Novakhov, Meeks |
  | |
MLTSPNSR | Thiele |
  | |
Amd §3411, Ins L | |
  | |
Provides that an automobile insurer may waive the inspection of a private passenger automobile prior to providing physical damage coverage. |
A03172 Actions:
BILL NO | A03172A | |||||||||||||||||||||||||||||||||||||||||||||||||
  | ||||||||||||||||||||||||||||||||||||||||||||||||||
02/02/2023 | referred to insurance | |||||||||||||||||||||||||||||||||||||||||||||||||
03/15/2023 | amend (t) and recommit to insurance | |||||||||||||||||||||||||||||||||||||||||||||||||
03/15/2023 | print number 3172a | |||||||||||||||||||||||||||||||||||||||||||||||||
03/22/2023 | reported referred to rules | |||||||||||||||||||||||||||||||||||||||||||||||||
03/22/2023 | reported | |||||||||||||||||||||||||||||||||||||||||||||||||
03/22/2023 | rules report cal.112 | |||||||||||||||||||||||||||||||||||||||||||||||||
03/22/2023 | ordered to third reading rules cal.112 | |||||||||||||||||||||||||||||||||||||||||||||||||
03/29/2023 | passed assembly | |||||||||||||||||||||||||||||||||||||||||||||||||
03/29/2023 | delivered to senate | |||||||||||||||||||||||||||||||||||||||||||||||||
03/29/2023 | REFERRED TO INSURANCE | |||||||||||||||||||||||||||||||||||||||||||||||||
04/26/2023 | SUBSTITUTED FOR S5889 | |||||||||||||||||||||||||||||||||||||||||||||||||
04/26/2023 | 3RD READING CAL.626 | |||||||||||||||||||||||||||||||||||||||||||||||||
04/26/2023 | PASSED SENATE | |||||||||||||||||||||||||||||||||||||||||||||||||
04/26/2023 | RETURNED TO ASSEMBLY | |||||||||||||||||||||||||||||||||||||||||||||||||
11/13/2023 | delivered to governor | |||||||||||||||||||||||||||||||||||||||||||||||||
11/17/2023 | signed chap.638 |
A03172 Committee Votes:
Weprin | Aye | Blankenbush | Aye | ||||||
Cook | Aye | Hawley | Aye | ||||||
Pretlow | Aye | Palmesano | Aye | ||||||
Lavine | Aye | Gandolfo | Nay | ||||||
Steck | Aye | Curran | Aye | ||||||
Dilan | Aye | Jensen | Aye | ||||||
Hunter | Aye | Blumencranz | Aye | ||||||
Rosenthal | Absent | Bendett | Aye | ||||||
Stern | Nay | ||||||||
Jacobson | Aye | ||||||||
Meeks | Aye | ||||||||
Forrest | Aye | ||||||||
Anderson | Aye | ||||||||
Cruz | Aye | ||||||||
Bores | Aye | ||||||||
Lunsford | Aye | ||||||||
Heastie | Excused | Barclay | Aye | ||||||
Weinstein | Aye | Hawley | Aye | ||||||
Pretlow | Aye | Giglio | Aye | ||||||
Cook | Aye | Blankenbush | Aye | ||||||
Glick | Aye | Norris | Aye | ||||||
Aubry | Aye | Ra | Nay | ||||||
Dinowitz | Aye | Brabenec | Nay | ||||||
Colton | Aye | Palmesano | Aye | ||||||
Magnarelli | Aye | Reilly | Nay | ||||||
Paulin | Aye | ||||||||
Peoples-Stokes | Aye | ||||||||
Benedetto | Aye | ||||||||
Lavine | Aye | ||||||||
Lupardo | Aye | ||||||||
Zebrowski | Aye | ||||||||
Thiele | Aye | ||||||||
Braunstein | Aye | ||||||||
Dickens | Excused | ||||||||
Davila | Aye | ||||||||
Hyndman | Aye | ||||||||
Rozic | Aye | ||||||||
Bronson | Aye | ||||||||
Go to top
A03172 Floor Votes:
Yes
Alvarez
Yes
Carroll
No
Flood
Yes ‡
Kim
Yes
Palmesano
Yes
Simpson
ER
Anderson
Yes
Chandler-Waterm
Yes
Forrest
Yes
Lavine
Yes
Paulin
Yes
Slater
Yes
Angelino
No ‡
Chang
No
Friend
Yes
Lee
Yes
Peoples-Stokes
No
Smith
Yes
Ardila
Yes
Clark
Yes
Gallagher
Yes
Lemondes
Yes
Pheffer Amato
Yes
Smullen
Yes
Aubry
Yes
Colton
No
Gallahan
Yes
Levenberg
Yes
Pirozzolo
Yes
Solages
Yes
Barclay
Yes
Conrad
No
Gandolfo
Yes
Lucas
Yes
Pretlow
Yes
Steck
Yes
Barrett
Yes
Cook
Yes
Gibbs
Yes
Lunsford
No
Ra
No
Stern
No
Beephan
Yes
Cruz
No
Giglio JA
Yes
Lupardo
Yes
Raga
Yes
Stirpe
Yes
Bendett
Yes
Cunningham
Yes
Giglio JM
Yes
Magnarelli
Yes
Rajkumar
No
Tague
Yes
Benedetto
No
Curran
Yes
Glick
Yes
Maher
Yes
Ramos
No
Tannousis
Yes
Bichotte Hermel
Yes
Darling
Yes
Gonzalez-Rojas
Yes
Mamdani
No
Reilly
Yes
Tapia
Yes
Blankenbush
ER
Davila
Yes
Goodell
Yes
Manktelow
Yes
Reyes
Yes
Taylor
No
Blumencranz
Yes
De Los Santos
Yes
Gray
Yes
McDonald
Yes
Rivera
Yes
Thiele
Yes
Bores
No
DeStefano
Yes
Gunther
No ‡
McDonough
ER
Rosenthal D
Yes
Vanel
No
Brabenec
ER
Dickens
Yes
Hawley
Yes
McGowan
Yes
Rosenthal L
Yes
Walker
Yes
Braunstein
Yes
Dilan
ER
Hevesi
Yes
McMahon
Yes
Rozic
Yes
Wallace
Yes
Bronson
Yes
Dinowitz
Yes
Hunter
Yes
Meeks
Yes
Santabarbara
Yes
Walsh
No
Brook-Krasny
Yes
DiPietro
Yes
Hyndman
No
Mikulin
Yes
Sayegh
Yes
Weinstein
No
Brown E
No
Durso
Yes
Jackson
Yes
Miller
Yes
Seawright
Yes
Weprin
No
Brown K
Yes
Eachus
Yes
Jacobson
Yes
Mitaynes
ER
Septimo
ER
Williams
Yes
Burdick
Yes
Eichenstein
Yes
Jean-Pierre
Yes
Morinello
Yes
Shimsky
Yes
Woerner
Yes
Burgos
Yes
Epstein
Yes
Jensen
Yes
Norris
Yes
Shrestha
Yes
Zaccaro
Yes
Burke
Yes
Fahy
Yes
Jones
Yes
Novakhov
Yes ‡
Sillitti
Yes
Zebrowski
Yes
Buttenschon
Yes
Fall
Yes
Joyner
Yes
O'Donnell
Yes
Simon
Yes
Zinerman
No
Byrnes
No
Fitzpatrick
ER
Kelles
Yes
Otis
Yes
Simone
ER
Mr. Speaker
‡ Indicates voting via videoconference
A03172 Memo:
Go to topNEW YORK STATE ASSEMBLY
MEMORANDUM IN SUPPORT OF LEGISLATION
submitted in accordance with Assembly Rule III, Sec 1(f)   BILL NUMBER: A3172A SPONSOR: Zebrowski
  TITLE OF BILL: An act to amend the insurance law, in relation to inspections of private passenger automobiles prior to the provision of coverage for physical damage thereto; and providing for the repeal of such provisions upon expiration thereof   PURPOSE: This bill allows an auto insurer to waive the right to inspect a motor vehicle prior to issuing an insurance policy if such insurer has filed a plan of operation to ensure that vehicles covered under such policy have not sustained physical damage.   SUMMARY OF PROVISIONS: Section one of the bill amends section 3411 of the insurance law to permit an auto insurer to waive the physical inspection of an automobile prior to insuring such vehicle if the insurer has filed a waiver with the superintendent. Section two of the bill relates to the effective date and'provides for a sunset of October 1, 2027.   JUSTIFICATION: The prior inspection law was first enacted almost a quarter century ago to address problems of fraudulent damages to motor vehicles that were covered after the accident had been sustained. Technology advances and vehicle tracking systems such as VIN etchings has made it much more difficult for persons seeking to engage in insurance fraud. While some may still attempt to purchase policies for phantom vehicles, today's modern Special Investigation Units (SIU's) are far better equipped to identify such issues. The current regulation, as prescribed by section 3411, is complex and expensive for insurers to comply with, which drives up the overall cost for all auto insurance in New York. In addition, under current law, people who have no intention of commit- ting auto insurance fraud can find at the time of an accident, that they have lost coverage for such an accident because no auto inspection was performed. In this situation, the insured has purchased coverage and paid the premium, but will not be covered if his or her auto sustains physical property damage simply because the auto was inadvertently not
A03172 Text:
Go to top STATE OF NEW YORK ________________________________________________________________________ 3172--A 2023-2024 Regular Sessions IN ASSEMBLY February 2, 2023 ___________ Introduced by M. of A. ZEBROWSKI, GUNTHER, BRONSON, WEPRIN, STECK, HUNT- ER, STIRPE, WALLACE, RA, DURSO -- Multi-Sponsored by -- M. of A. THIELE -- read once and referred to the Committee on Insurance -- committee discharged, bill amended, ordered reprinted as amended and recommitted to said committee AN ACT to amend the insurance law, in relation to inspections of private passenger automobiles prior to the provision of coverage for physical damage thereto; and providing for the repeal of such provisions upon expiration thereof The People of the State of New York, represented in Senate and Assem- bly, do enact as follows: 1 Section 1. The section heading and subsections (d), (g) and (m) of 2 section 3411 of the insurance law are amended to read as follows: 3 Automobile physical damage insurance covering private passenger auto- 4 mobiles; standard provisions; [required] inspections; duties of insurers 5 and insureds. 6 (d) A newly issued policy shall not provide coverage for automobile 7 physical damage perils prior to an inspection of the automobile by the 8 insurer, unless the insurer has waived the right to such inspection 9 pursuant to a statement of operation filed with the superintendent. In 10 its statement of operation, an insurer may waive the right to inspect 11 some or all automobiles. Every statement of operation shall take effect 12 upon its filing with the superintendent and may cover some or all auto- 13 mobiles. 14 (g) If an automobile subject to the provisions of this section is 15 acquired by the insured as a replacement for or an addition to an auto- 16 mobile insured for physical damage coverage, and the insured requests 17 physical damage coverage for the replacement or additional automobile, 18 such coverage for physical damage shall not be effective before such 19 inspection is made, unless the insurer has waived the right to such an 20 inspection pursuant to a statement of operation filed with the super- EXPLANATION--Matter in italics (underscored) is new; matter in brackets [] is old law to be omitted. LBD03446-02-3A. 3172--A 2 1 intendent. If, at the time of the request for such coverage, the auto- 2 mobile is unavailable for inspection because of conditions of purchase 3 or other circumstances and is thereafter made available for inspection, 4 the insurer shall promptly inspect the automobile, and physical damage 5 coverage shall not become effective before the inspection has been made. 6 (m) (1) The superintendent, in regulations implementing the provisions 7 of this section, shall also require that insurers take appropriate 8 action to ensure that there is wide public dissemination of the 9 provisions of this section relating to the rights and obligations of 10 insureds and insurers. 11 (2) The inspections provided for in this section may be dispensed with 12 or deferred by an insurer under circumstances specified in their state- 13 ment of operation filed with the superintendent or in regulations of the 14 superintendent. Such circumstances may include but are not limited to, 15 the insuring of a new automobile, the insuring of an automobile whose 16 inspection would constitute a serious hardship to the insurer, the 17 insured or an applicant for insurance, and the insuring of an automobile 18 for a limited specified period of time. 19 (3) Inspections made pursuant to this section shall be made at 20 locations and times reasonably convenient to the insured. The results of 21 any inspection may be considered in determining the value of the automo- 22 bile. 23 § 2. This act shall take effect on the one hundred eightieth day after 24 it shall have become a law and shall expire and be deemed repealed Octo- 25 ber 1, 2027. Effective immediately, the addition, amendment and/or 26 repeal of any rule or regulation necessary for the implementation of 27 this act on its effective date are authorized to be made and completed 28 on or before such effective date.
A03172 LFIN:
  | NO LFIN |
A03172 Chamber Video/Transcript:
3-22-23 | Video (@ 01:43:42) | Transcript pdf | Transcript html |
3-29-23 | Video (@ 00:37:29) | Transcript pdf | Transcript html |