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New YorkS 53312025-2026 Regular SessionSenateWALLET

Establishes an online insurance verification system for motor vehicle insurance

Sponsored By: Jamaal Bailey (Republican)

Became Law

TRANSPORTATION

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Bill Overview

Analyzed Economic Effects

6 provisions identified: 5 benefits, 0 costs, 1 mixed.

Clear rules on policy cancellations

Beginning December 31, 2028, a cancellation that requires notice is not effective against others besides the named insured and their household until the insurer files a notice with the DMV or a new policy is in place. A filed notice in the DMV format is effective on the certified date, even if no suspension order is issued.

Insurers must share data and proof

Beginning December 31, 2028, auto insurers in New York must give the DMV data on all policies issued, canceled, non‑renewed, and lapse dates. The DMV may exempt some vehicle classes. Insurers must also give you proof of insurance when they issue your policy, in a DMV‑approved form.

Police and barcodes verify insurance

Beginning December 31, 2028, on‑duty police can use the DMV system to check insurance in the field. The DMV creates a machine‑readable code on a registration sticker or a plate sticker. Authorized users can scan it to see the owner, VIN, insurer, and current insurance status. The design must protect drivers’ privacy.

Statewide online car insurance check

Beginning December 31, 2028, the DMV runs an online system to verify required car insurance. It supports electronic requests and fast responses set by the DMV. The system must protect data and use national data standards with insurers. It has a pilot of at least one year, and the DMV must certify it is fully operational before declaring it live.

Strong privacy rules for your data

Beginning December 31, 2028, the DMV may not disclose, sell, or release system data except as allowed by federal law. Only authorized people can access the data. Knowingly releasing data without permission is a misdemeanor.

How the state funds insurance checks

Beginning December 31, 2028, the DMV funds the system with three sources: 25% of certain civil penalties, grants, and pro rata assessments on all auto insurers based on their premiums. Assessments on insurers can affect premiums.

Sponsors & Cosponsors

Sponsor

  • Jamaal Bailey

    Republican • Senate

Cosponsors

  • Joseph P. Addabbo Jr.

    Democratic • Senate

  • Pamela Helming

    Republican • Senate

  • Patricia Fahy

    Democratic • Senate

  • Steve Rhoads

    Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 71 • No: 1

Senate vote • 6/12/2025

FLOOR Vote

Yes: 58 • No: 1

committee vote • 3/18/2025

Transportation Committee Vote

Yes: 13 • No: 0

Actions Timeline

  1. SIGNED CHAP.500

    11/12/2025Senate

  2. DELIVERED TO GOVERNOR

    11/3/2025Senate

  3. RETURNED TO SENATE

    6/16/2025House

  4. PASSED ASSEMBLY

    6/16/2025House

  5. ORDERED TO THIRD READING RULES CAL.783

    6/16/2025House

  6. SUBSTITUTED FOR A4404A

    6/16/2025House

  7. REFERRED TO TRANSPORTATION

    6/12/2025House

  8. DELIVERED TO ASSEMBLY

    6/12/2025Senate

  9. PASSED SENATE

    6/12/2025Senate

  10. AMENDED ON THIRD READING (T) 5331A

    6/9/2025Senate

  11. ADVANCED TO THIRD READING

    3/20/2025Senate

  12. 2ND REPORT CAL.

    3/19/2025Senate

  13. 1ST REPORT CAL.580

    3/18/2025Senate

  14. REFERRED TO TRANSPORTATION

    2/20/2025Senate

Bill Text

  • Amendment A

    6/9/2025

    PDF

  • Original

    2/20/2025

    PDF

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