Bill > S05342

This bill establishes comprehensive regulations for telematics (usage-based insurance technology) in automobile insurance policies in New York. The legislation defines telematics as data collection methods involving vehicle and driver information, including speed, location, mileage, driving habits, phone usage, road conditions, engine diagnostics, and advanced driver assistance systems. Insurers are permitted to collect this data with the driver's consent for purposes such as premium calculation, claims investigation, rate filing, and customer service. The bill includes important consumer protections, such as preventing insurers from mandating telematics participation for private passenger vehicles unless they exclusively offer such programs and disclose this requirement upfront. The legislation also stipulates that insurers can only share telematics data with the named insured or other parties with explicit consent, except under court orders. Additionally, the bill allows insurers to offer loss prevention programs that incentivize safe driving through telematics, provided these programs are available to both the general public and existing policyholders. The superintendent of insurance is granted regulatory power to implement and oversee these new provisions, ensuring that telematics programs are implemented fairly and transparently.

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https://www.nysenate.gov/legislation/bills/2025/S5342