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New YorkS 59412025-2026 Regular SessionSenateWALLET

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

Sponsored By: James Skoufis (Democratic)

Became Law

INSURANCE

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Bill Overview

Analyzed Economic Effects

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

Bigger insurance when using car sharing

During each sharing period, the program must carry liability insurance at least three times the state minimum. Coverage must also meet New York no‑fault and liability rules. For every trip, the owner and the driver get extra liability insurance or a chance to buy it. Programs may also offer other optional coverages for a price. Insurance can be scheduled for sharing periods and does not have to match the car’s registration dates. These rules apply beginning 180 days after enactment.

Limited insurance licenses for car-sharing companies

The state can give rental and car‑sharing companies a limited license to sell certain trip‑related insurance. Licensed companies must run a state‑approved training program for employees and sales reps. They cannot advertise themselves or staff as licensed insurance agents or brokers. If the insurer consents in writing and charges are itemized on the same bill, collected premiums do not have to be held in a separate trust account. These rules apply beginning 180 days after enactment.

Clear car-sharing insurance prices and disclosures

Every car‑sharing agreement must itemize the daily rate, fees, and any insurance or protection costs. It must list an emergency number, show coverage limits and exclusions, and describe extra coverages offered or provided, with proof if you buy. At each sign‑up spot, brochures must name the insurer and explain price, deductibles, benefits, limits, exclusions, claims steps, that purchase is optional, and your cancellation/refund rights, and note possible overlap with your own policy. Brochures must be filed with the state before use and use clear language with bold 12‑point headings for key terms. These rules apply beginning 180 days after enactment.

Simpler claims notice for shared cars

If any party or insurer gets a claim notice about a shared car, it counts as notice to all. The person who gets the notice must send it to the others. This helps move no‑fault and liability claims faster. The rule applies beginning 180 days after enactment.

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: 78 • No: 1

Senate vote • 6/12/2025

FLOOR Vote

Yes: 58 • No: 1

committee vote • 6/12/2025

Rules Committee Vote

Yes: 20 • No: 0

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

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