Bill > A07710

This bill provides a comprehensive framework for the use of telematics (usage-based insurance technologies that track vehicle and driver data) in automobile insurance policies in New York. The bill defines telematics as a system that can collect various types of data about vehicle operation, including speed, location, mileage, driver behaviors, phone usage, road conditions, engine diagnostics, and advanced driver assistance systems. Insurers are permitted to collect this data with the consent of the driver or named insured, and can use it for purposes such as premium setting, claims settlement, rate filing, and customer service. The bill includes important consumer protections, such as prohibiting insurers from requiring telematics participation as a condition of insurance (unless they exclusively offer such products), limiting data sharing, and mandating transparency about how the data will be used. Insurers must disclose telematics requirements during application and renewal, and any premium increases must follow specific notification procedures. The bill also 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 legislation aims to balance technological innovation in insurance with consumer privacy and choice, taking effect 90 days after becoming law.

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https://www.nysenate.gov/legislation/bills/2025/A7710