Relates to property/casualty insurance contracts

S 3687 amends New York's insurance law to clarify that a pedestrian involved in a motor vehicle accident is not considered "in an accident" for insurance purposes under specific policy terms. The bill adds a new provision (v) to insurance law §3425(m)(3)(B), exempting named insured pedestrians (as defined by Vehicle and Traffic Law §130) from being classified as operators or involved parties in accident-related insurance claims. This change directly affects pedestrian claimants whose insurance policies previously might have treated them as operators, potentially simplifying coverage determinations. The amendment takes immediate effect upon enactment.