Bill > A04404

This bill establishes an online insurance verification system for motor vehicle insurance in New York, requiring insurers to provide comprehensive information about vehicle insurance policies to the state's Department of Motor Vehicles. The system will allow law enforcement and authorized personnel to electronically verify whether a vehicle is properly insured in real-time, with insurers required to submit detailed information such as policy cancellations, new policies, policy numbers, vehicle identification numbers, and registration information. The verification system must be highly secure, protecting personal privacy and ensuring data integrity, and will be implemented with strict information security protocols. Insurers writing private passenger or commercial motor vehicle insurance in New York will be mandated to participate, providing access to their insurance policy data to help identify and track uninsured vehicles. The system will be funded through civil penalties, grants from the motor vehicle theft and insurance fraud prevention fund, and pro-rata assessments on insurance carriers. After a minimum one-year testing and pilot period, the commissioner must certify the system's full operational status in writing to state leadership. The bill is set to take effect on December 31, 2028, with preparatory rule-making allowed immediately.

Budget and Finance, Transportation and Infrastructure

https://www.nysenate.gov/legislation/bills/2025/A4404