A 10524 New York Assembly · 2025 Regular Session

Relates to motor vehicle insurance fairness; repealer

Summary

Relates to motor vehicle insurance fairness; provides that insurance rates shall not be increased based on certain factors; sets forth processes for motor vehicle insurers to have rate increases approved; allows public access in relation to any proposed insurance rate increases; allows members of the public to request permission to intervene in proceedings related to rate increases; directs rules and regulations to be established.

Bill status in committee 1 of 4 stages cleared

Introduction

Mar 2026

Committee Review

Floor Vote

Governor

Introduced Mar 6, 2026 Last action Mar 19, 2026

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What changed between versions

A10524 → A10524A · 4 edits

MODERATE

This bill amends New York's insurance law to broaden the scope of motor vehicle coverage from just liability and collision to all motor vehicle insurance. It also tightens restrictions on using zip codes and geographic data for pricing, reducing the allowable impact from 25% to 10%, and removes the explicit prohibition on using employment status for business use ratings.

Scope change

The bill expands the definition of covered insurance from 'liability and collision' to 'motor vehicle insurance' in several sections, broadening the protections against discriminatory practices.

SCOPE

Changed the scope of prohibited underwriting factors from applying only to 'liability and collision' insurance to applying to all 'motor vehicle insurance'.

REQUIREMENT

Reduced the maximum allowable impact of geographic factors (like zip codes) on premiums from 25% to 10%.

Removed the specific exception that allowed insurers to use employment or occupation data when determining if a vehicle is used for business purposes.

Updated references to 'liability and collision insurance' to 'motor vehicle insurance' throughout the text to align with the broader scope.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Mar 19, 2026

Lower · Passed

PRINT NUMBER 10524A

lower

Mar 19, 2026

Lower · Passed

AMEND AND RECOMMIT TO INSURANCE

lower

Mar 6, 2026

Committee

REFERRED TO INSURANCE

lower

1 primary · 10 co-sponsors