PRIA Logo™
New YorkS 59412025-2026 Regular SessionSenateWALLET

Requires peer-to-peer car sharing programs provide certain insurance coverage

Sponsored By: James Skoufis (Democratic)

Signed by Governor

INSURANCE

Personalized for You

How does this bill affect your finances?

Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.

Free to download

Bill Overview

Analyzed Economic Effects

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

More car-sharing insurance with time limits

The law takes effect 180 days after enactment. Car-sharing programs must insure every shared vehicle during each sharing period, with liability coverage at three times New York’s required owner-policy minimum. Programs must also provide extra liability insurance to both owners and drivers, or offer each the choice to buy it. A limited state insurance license lets programs sell extra liability, accident and health, personal belongings, and other approved coverage. These other coverage options are optional for programs to offer, and owners and drivers do not have to buy them. Insurance issued under the limited license cannot cover sharing periods longer than 30 consecutive days.

Clearer insurance choices for car-sharing users

New York car-sharing agreements must explain the group policy’s coverage, limits, exclusions, and extra insurance provided or offered. Agreements must also explain the program’s duty to provide extra liability insurance or offer it for purchase. Programs selling insurance under a limited license must disclose costs, coverage limits, claims steps, cancellation and refund rights. Written materials must warn about overlap with existing insurance and state that buying insurance is not required. Buyers must receive proof of coverage, and staff authorized to sell the insurance must complete approved training before selling.

Sponsors & Cosponsors

Sponsor

  • James Skoufis

    Democratic • Senate

Cosponsors

  • Andrew Gounardes

    Democratic • Senate

  • April Baskin

    Democratic • Senate

  • Cordell Cleare

    Democratic • Senate

  • Jamaal Bailey

    Republican • Senate

  • Jeremy Cooney

    Democratic • Senate

  • Jessica Scarcella-Spanton

    Democratic • Senate

  • Joseph A. Griffo

    Republican • Senate

  • Joseph P. Addabbo Jr.

    Democratic • Senate

  • Leroy Comrie

    Democratic • Senate

  • Nathalia Fernandez

    Democratic • Senate

  • Robert Jackson

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 180 • No: 43

House vote • 6/16/2025

Assembly floor vote

Yes: 102 • No: 42

committee vote • 6/12/2025

Rules Committee Vote

Yes: 20 • No: 0

Senate vote • 6/12/2025

FLOOR Vote

Yes: 58 • No: 1

Actions Timeline

  1. APPROVAL MEMO.73

    12/19/2025Senate

  2. SIGNED CHAP.696

    12/19/2025Senate

  3. DELIVERED TO GOVERNOR

    12/8/2025Senate

  4. RETURNED TO SENATE

    6/16/2025House

  5. PASSED ASSEMBLY

    6/16/2025House

  6. ORDERED TO THIRD READING RULES CAL.570

    6/16/2025House

  7. SUBSTITUTED FOR A6576B

    6/16/2025House

  8. REFERRED TO INSURANCE

    6/12/2025House

  9. DELIVERED TO ASSEMBLY

    6/12/2025Senate

  10. PASSED SENATE

    6/12/2025Senate

  11. ORDERED TO THIRD READING CAL.1882

    6/12/2025Senate

  12. COMMITTEE DISCHARGED AND COMMITTED TO RULES

    6/12/2025Senate

  13. PRINT NUMBER 5941B

    6/9/2025Senate

  14. AMEND (T) AND RECOMMIT TO INSURANCE

    6/9/2025Senate

  15. PRINT NUMBER 5941A

    5/27/2025Senate

  16. AMEND (T) AND RECOMMIT TO INSURANCE

    5/27/2025Senate

  17. REFERRED TO INSURANCE

    3/4/2025Senate

Bill Text

  • Amendment B

    6/9/2025

    PDF

  • Amendment A

    5/27/2025

    PDF

  • Original

    3/4/2025

    PDF

Related Bills

Back to State Legislation