Bill > A03690

This bill authorizes the New York State insurance superintendent to investigate fraudulent activities related to motor vehicle insurance, specifically targeting individuals operating vehicles without insurance and those misrepresenting where their vehicles are garaged. The bill increases civil penalties for forging insurance documents, raising the first-time violation penalty from one thousand to two thousand dollars and maintaining the five thousand dollar penalty for subsequent violations. It creates a new crime of offering a false application for motor vehicle insurance or registration, which becomes a class E felony when an individual knowingly provides false information about their residence or vehicle's garage location. The bill also expands law enforcement's ability to access vehicle and residence information, modifies existing laws about unauthorized vehicle use and insurance fraud, and requires applicants for vehicle registration to provide their street address and attest to the truthfulness of their application. These changes aim to combat insurance fraud, reduce risks to public safety, and prevent individuals from improperly shifting insurance liability costs. Most provisions will take effect 180 days after becoming law, with some specific sections taking effect on the following November 1st.

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https://www.nysenate.gov/legislation/bills/2025/A3690