Bill > A00851

This bill amends the New York insurance law to require insurance companies to provide a premium reduction for drivers who successfully complete a fraud prevention course, known as the New York auto fraud prevention program. Specifically, the bill mandates that any motor vehicle insurance rate schedule submitted to the state superintendent must include a premium discount for insureds who complete this course, with the discount applying for a period of two years. The discount would apply to various types of auto insurance coverage, including liability, comprehensive, collision, and personal injury protection. The bill will take effect on the first day of January following its enactment and will apply to all insurance policies issued, renewed, modified, altered, or amended on or after that date. The goal of the bill appears to be incentivizing drivers to become more aware of insurance fraud and potentially reduce fraudulent activities by offering a financial benefit for completing an educational course.

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https://www.nysenate.gov/legislation/bills/2025/A851