Auto insurance

New York State Senators Seek Passage of Consumer-Friendly Auto Insurance Bill

With New York State’s 2022 legislative session just days away, senators from both sides of the aisle and across the state are calling for passage of the Consumer Insurance Assistance Act automobile.

Which will eliminate the photo inspection warrant required to obtain collision insurance coverage and full auto insurance.

Senator George Borrello (R-Jamestown) said“This common-sense legislation is essential to protect motorists from unknowingly losing coverage in the event of a motor vehicle collision simply because an initial photo inspection was inadvertently overlooked. Allowing insurers to waive this unnecessary requirement will solve the problem and bring New York law up to date with current industry practices. I thank all of my colleagues who have joined me in supporting this bill.

Senator Patrick M. Gallivan (R-Elma) said, “The existing law is an example of rules and regulations that are cumbersome, obsolete or no longer needed. Providing insurance companies with greater flexibility will streamline operations and reduce the cost of doing business. »

Senator John W. Mannion (D-Syracuse) said“This consumer- and business-friendly legislation removes the outdated and unnecessary burden of a photo inspection for vehicles from the public and insurance agents. In Onondaga County, car owners only have only one option to get a photo inspection – and it’s not open on weekends Passing this law will make the entire auto insurance industry more efficient and bring state oversight into the 21st century.

Senator Elijah Reichlin-Melnick (D-Nanuet) said, “We need our laws to keep pace with technology. This bill streamlines the ability for drivers to get help when their vehicle is damaged and protects people from losing the coverage they should be entitled to.

Senator Patty Ritchie (R-Watertown) said“New York is one of the few states that still requires insurance companies to take photos of vehicles related to property and casualty and collision policies. Technology and time have rendered this regulation obsolete. By repealing it, we are relieving insurers and consumers an unnecessary burden.

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Senator Sean Ryan (D-Buffalo) said, “Photographic inspections were once a smart tool to help prevent insurance fraud, but advances in technology have made them superfluous. Today, this outdated requirement is more of an unnecessary burden on car buyers than a deterrent against fraud. »

Senator James Skoufis (D-Newburgh) said, “The insurance industry has come a long way over the past quarter century, and outdated anti-fraud measures are simply not necessary, effective or consumer friendly. I commend Senator Breslin and our bipartisan group of co-sponsors for supporting this common-sense reform that will alleviate unnecessary photographic inspection requirements. I urge my colleagues to bring this bill forward for a vote.

Senator Kevin Thomas (D-Garden City) said“This common-sense, consumer-friendly legislation will modernize a decades-old law and ease the unnecessary burden on insurers and policyholders alike.”

The Auto Insurance Consumer Relief Act, S.6028, is sponsored by Sen. Neil Breslin (D-Albany) and co-sponsored by a bipartisan and geographically diverse group of senators.

It passed the Assembly in March where it is sponsored by Assemblyman Ken Zebrowski (D-Rockland).

Consumers, business groups and advocacy organizations have joined senators in calling for the repeal of this binding mandate.

More than 1,700 New York policyholders have signed a petition urging the New York State Senate to pass the bill. In addition, more than 20 professional organizations have signed a letter in support of the bill.

The Photo Inspection Mandate requires drivers who purchase all-risk insurance to attend an inspection site in person within 14 days or risk having their coverage suspended.

These regulations, originally implemented in the late 1970s, leave many drivers underinsured. Advances in fraud prevention have rendered photo inspections unnecessary, and the warrant now serves only to burden drivers and small businesses, the bill’s supporters say.

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