Bill > S02528

This bill requires bicycle and electric scooter owners in cities with populations of one million or more to obtain liability insurance for their vehicles when operating outside of their own property. Specifically, the bill mandates that bicycles, electric-assist bicycles, and electric scooters must be covered by an insurance policy issued by a carrier authorized to do business in New York State, with coverage similar to an "owner's policy of liability insurance." The legislation allows for governmental agencies or other entities to potentially obtain a self-insurance certificate in lieu of a private insurance policy. Owners and operators must be able to produce proof of insurance if requested by law enforcement or individuals who have suffered personal injury or property damage. Failure to provide proof of insurance is not considered a criminal offense but can be used as presumptive evidence that the vehicle is uninsured. The bill also amends existing insurance law to include bicycles, electric-assist bicycles, and electric scooters in provisions related to first-party benefits and liability coverage. The new requirements will go into effect 120 days after the bill becomes law, allowing time for residents and organizations to obtain the necessary insurance coverage.

Transportation and Infrastructure

https://www.nysenate.gov/legislation/bills/2025/S2528