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New YorkS 53312025-2026 Regular SessionSenate

Establishes an online insurance verification system for motor vehicle insurance

Sponsored By: Jamaal Bailey (Republican)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 2 benefits, 0 costs, 1 mixed.

Privacy protections for drivers' insurance records

Beginning December 31, 2028, New York's motor vehicle agency faces strict limits on using, accessing, sharing, or selling verification data. It may answer specific individual requests only as allowed by the federal Driver's Privacy Protection Act. Knowingly sharing data for an unauthorized purpose or with an unauthorized recipient is a misdemeanor for each disclosure.

Online insurance checks for New York drivers

Beginning December 31, 2028, New York must build a secure online system to check vehicle insurance and identify uninsured vehicles. Information must be accurate within seven days. Private passenger and commercial vehicle insurers must share policy starts, cancellations, terminations, nonrenewals, lapse dates, and other required coverage data. The state must standardize data exchanges, coordinate on-duty police access, and may exempt some vehicle classes from data-transfer requirements. Testing and a pilot must last at least one year before the commissioner certifies full operation to state leaders. A barcode program for registration stickers or plates must follow the online system and meet a 24-month rollout deadline. The commissioner must report progress and recommendations on proof-of-insurance paperwork within 18 months of the provision's effective date.

Insurers help fund vehicle insurance checks

Beginning December 31, 2028, three revenue sources must fully fund the online insurance verification system and barcode program. Funding includes 25% of specified existing uninsured-driving civil penalties and grants from the motor vehicle theft and insurance fraud prevention fund. Covered insurers must also pay assessments based on their share of filed premium estimates. The law sets no total funding amount and adds no direct household payment requirement.

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: 215 • No: 2

House vote • 6/16/2025

Assembly floor vote

Yes: 144 • 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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