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0 chapters · 1,072 sections in this title.
N.Y. Insurance Law § 3429 Geographical location of risks; fire, fire and extended coverage policies; private passenger automobile insurance policies
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§ 3429. Geographical location of risks; fire, fire and extended\ncoverage policies; private passenger automobile insurance policies. (a)\nNo insurer shall refuse to issue or renew or shall cancel a policy of:\n (1) fire insurance or fire and extended coverage insurance, or\n (2)…
N.Y. Insurance Law § 3429-A Geographical location of risks in area serviced by a volunteer fire department; fire, fire and extended coverage policies
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§ 3429-a. Geographical location of risks in area serviced by a\nvolunteer fire department; fire, fire and extended coverage policies.\n(a) No insurer shall refuse to issue or renew or shall cancel a\nhomeowner's insurance policy including fire insurance or fire and\nextended cov…
N.Y. Insurance Law § 343 Mental health and substance use disorder parity report
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* § 343. Mental health and substance use disorder parity report. (a)\nBeginning July first, two thousand nineteen and every two years\nthereafter, each insurer providing managed care products, individual\ncomprehensive accident and health insurance or group or blanket\ncomprehen…
N.Y. Insurance Law § 3430 Right of insured, agent or broker aggrieved on basis of geographical location of property or risks
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§ 3430. Right of insured, agent or broker aggrieved on basis of\ngeographical location of property or risks. (a) An insured aggrieved by\nan inability to obtain:\n (1) homeowner's insurance, including fire insurance or fire and\nextended coverage insurance, other than from the N…
N.Y. Insurance Law § 3431 Immunity; insurers' reports to insureds, to applicants for insurance and to terminated agents or brokers
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§ 3431. Immunity; insurers' reports to insureds, to applicants for\ninsurance and to terminated agents or brokers. (a) In any written notice\nof:\n (1) refusal to issue,\n (2) cancellation,\n (3) reduction of limits,\n (4) substitution of policy form,\n (5) elimination of covera…
N.Y. Insurance Law § 3432 Immunity; reports to certain public officials and to designated organizations
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§ 3432. Immunity; reports to certain public officials and to\ndesignated organizations. (a) In the absence of fraud or bad faith,\nthere shall be no liability on the part of, and no cause of action of\nany nature shall arise against, an insurer or a hospital or any person\nactin…
N.Y. Insurance Law § 3433 Termination of contracts or accounts of licensed agents or brokers; prohibition; geographical location
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§ 3433. Termination of contracts or accounts of licensed agents or\nbrokers; prohibition; geographical location. (a) No insurer shall\nterminate or refuse to renew a contract or account of a licensed agent\nor broker who negotiated policies of:\n (1) fire insurance or fire and e…
N.Y. Insurance Law § 3434 Motor vehicle insurance policies; disabled persons; prohibitions against cancelling, refusing to issue or renew policies
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§ 3434. Motor vehicle insurance policies; disabled persons;\nprohibitions against cancelling, refusing to issue or renew policies.\nInsurers shall be prohibited from cancelling or refusing to issue or\nrenew a motor vehicle insurance policy to any person with a disability,\nas d…
N.Y. Insurance Law § 3435 Group property/casualty insurance
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§ 3435. Group property/casualty insurance.\n (a) This section shall apply to public entities as defined in section\none hundred seven of this chapter, organizations described by section\n501(c)(3) of the United States internal revenue code, charitable\ncorporations as defined in…
N.Y. Insurance Law § 3435-A Motor vehicle insurance policies; New York state licensed drivers; prohibitions against refusing to issue policies or renew policies
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§ 3435-a. Motor vehicle insurance policies; New York state licensed\ndrivers; prohibitions against refusing to issue policies or renew\npolicies. (a) Insurers shall be prohibited from refusing to issue a\nmotor vehicle liability insurance policy to any person with a valid New\nY…
N.Y. Insurance Law § 3436 Medical malpractice insurance; type of coverage
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* § 3436. Medical malpractice insurance; type of coverage. (a) Every\ninsurer which issues or renews policies for primary levels of medical\nmalpractice insurance covering physicians licensed to practice in this\nstate shall issue such policies on a claims-made or occurrence bas…
N.Y. Insurance Law § 3436*2 Group credit unemployment insurance and individual credit unemployment insurance
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* § 3436. Group credit unemployment insurance and individual credit\nunemployment insurance. (a) Any policy of credit unemployment insurance\nwhich covers more than one person shall be deemed a group credit\nunemployment policy.\n (b) No policy of group credit unemployment insur…
N.Y. Insurance Law § 3436-A Adverse action against legal reproductive health care or gender-affirming care
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§ 3436-a. Adverse action against legal reproductive health care or\ngender-affirming care. (a) Every insurer that issues or renews medical\nmalpractice insurance or professional liability insurance covering a\nhealth care provider licensed to practice in this state shall be\npro…
N.Y. Insurance Law § 3437 Credit insurance for in-vitro fertilization or intrauterine insemination
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§ 3437. Credit insurance for in-vitro fertilization or intrauterine\ninsemination. (a) Except as provided in subsection (b) of this section,\nan insurer that issues a credit insurance policy pursuant to clause\n(III) of item (i) of subparagraph (D) of paragraph seventeen of\nsub…
N.Y. Insurance Law § 3439 Reinsurance contracts excepted
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§ 3439. Reinsurance contracts excepted. The provisions of this article\nshall not apply to contracts of reinsurance, except as otherwise\nprovided by law.\n
N.Y. Insurance Law § 344 Mental health and substance use disorder parity compliance programs
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* § 344. Mental health and substance use disorder parity compliance\nprograms. Penalties collected for violations of section three thousand\ntwo hundred sixteen, three thousand two hundred twenty-one and four\nthousand three hundred three of this chapter related to mental health…
N.Y. Insurance Law § 3440 Insurance covering private passenger motor vehicles; rental vehicle coverage
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§ 3440. Insurance covering private passenger motor vehicles; rental\nvehicle coverage. (a) For the purposes of this section, a "private\npassenger motor vehicle" is a motor vehicle: (1) of the private\npassenger or station wagon type that is owned or hired by an individual\nor b…
N.Y. Insurance Law § 3442 Credit card, debit card, or checking account group policies
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§ 3442. Credit card, debit card, or checking account group policies.\n(a) For purposes of this section, unless the context requires otherwise:\n (1) "Account group member" means a person:\n (A) to whom a credit card account or debit card account is issued by a\nsponsor or who ha…
N.Y. Insurance Law § 3443 Workers' compensation and employers' liability insurance; optional policyholder deductibles
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§ 3443. Workers' compensation and employers' liability insurance;\noptional policyholder deductibles. An insurer issuing a workers'\ncompensation and employers' liability insurance policy, may offer, as\npart of the policy or by endorsement, deductibles optional to the\npolicyho…
N.Y. Insurance Law § 3444 Flood insurance notice
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§ 3444. Flood insurance notice. 1. Insurers shall provide to their\nhomeowners and dwelling fire personal lines insureds an annual notice\nprescribed or approved by the superintendent, explaining clearly and in\nplain language that: (a) such policies do not provide coverage for …
N.Y. Insurance Law § 3445 Windstorm insurance notice; deductible trigger standards
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§ 3445. Windstorm insurance notice; deductible trigger standards. (a)\nThe superintendent shall by regulation establish disclosure requirements\nwith respect to the operation of any deductible in a homeowner's\ninsurance policy or dwelling fire personal lines policy which applie…
N.Y. Insurance Law § 3446 Product or system group insurance policies
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§ 3446. Product or system group insurance policies. (a) A group policy\nmay be issued to a group policyholder, who shall be a manufacturer,\ndistributor, or installer of a product or system, or a trustee of a\ntrust established, or participated in, by one or more manufacturers,\…
N.Y. Insurance Law § 3447 Qualification of environmental remediation insurance for tax credit
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§ 3447. Qualification of environmental remediation insurance for tax\ncredit. (a) The superintendent of financial services is hereby\nauthorized to promulgate regulations relating to the certification of\npolicies of insurance which qualify for the environmental remediation\nins…
N.Y. Insurance Law § 3448 Involuntary unemployment insurance policies
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§ 3448. Involuntary unemployment insurance policies. (a) In this\nsection, the term "policy of involuntary unemployment insurance"\nincludes any policy covering the kind of insurance described in\nparagraph thirty of subsection (a) of section one thousand one hundred\nthirteen o…
N.Y. Insurance Law § 3449 Wireless communications equipment insurance policies
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§ 3449. Wireless communications equipment insurance policies. (a) In\nthis section:\n (1) "Policy of wireless communications equipment insurance" means an\ninsurance policy covering the kind of insurance described in paragraph\ntwo of subsection (d) of section two thousand one h…
N.Y. Insurance Law § 345 Health care claims reports
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§ 345. Health care claims reports. An insurer authorized to write\naccident and health insurance in the state, a corporation organized\npursuant to article forty-three of this chapter, or a health maintenance\norganization certified pursuant to article forty-four of the public\n…
N.Y. Insurance Law § 3450 Insurance for expenses incurred as a result of an act or threatened act of violence
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§ 3450. Insurance for expenses incurred as a result of an act or\nthreatened act of violence. (a) Insurance authorized by subparagraph (D)\nof paragraph seven of subsection (a) of section one thousand one hundred\nthirteen of this chapter may be written only as provided in this\…
N.Y. Insurance Law § 3451 Identity theft group insurance policies
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* § 3451. Identity theft group insurance policies. (a)(1) An identity\ntheft group insurance policy, and certificates thereunder, may be issued\nor delivered in this state only in accordance with the provisions of\nthis section.\n (2) An identity theft group insurance policy, an…
N.Y. Insurance Law § 3451*2 Regulations
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* § 3451. Regulations. Notwithstanding any other provision of this\narticle or article twenty-three of this chapter, and subject to the\nsuperintendent's approval of the rates and forms in accordance with such\narticle, the superintendent may promulgate regulations authorizing a…
N.Y. Insurance Law § 3452 Group property travel insurance policies
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§ 3452. Group property travel insurance policies. (a)(1) A group\nproperty travel insurance policy, and certificates thereunder, may be\nissued or delivered in this state only in accordance with the provisions\nof this section.\n (2) A group property travel insurance policy, and…
N.Y. Insurance Law § 3453 Group policy for service providers listed in a commercial directory
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* § 3453. Group policy for service providers listed in a commercial\ndirectory. (a) For purposes of this section, the following definitions\nshall apply:\n (1) "Commercial directory" means any listing of businesses in print or\nelectronic form that is issued by an entity that pu…
N.Y. Insurance Law § 3453*2 Self-service storage company group insurance policies
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* § 3453. Self-service storage company group insurance policies. (a)\nFor purposes of this section, unless the context requires otherwise:\n (1) "Self-service storage company group policy" means a group policy,\nincluding certificates issued to the group members, where the group…
N.Y. Insurance Law § 3453*3 Employer sponsored group personal excess insurance
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* § 3453. Employer sponsored group personal excess insurance. (a) For\npurposes of this section, the following definitions shall apply:\n (1) "Certificate" or "certificate of insurance" means any policy,\ncontract or other evidence of insurance, or rider or endorsement\nthereto,…
N.Y. Insurance Law § 3454 Sponsored group personal insurance
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§ 3454. Sponsored group personal insurance. (a) For purposes of this\nsection, the following definitions shall apply:\n (1) "Certificate" or "certificate of insurance" means any policy,\ncontract or other evidence of insurance, or rider or endorsement\nthereto, issued to a group…
N.Y. Insurance Law § 3455 Transportation network company group insurance policies
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§ 3455. Transportation network company group insurance policies. (a)\nFor purposes of this section, the following definitions shall apply:\n (1) "Transportation network company" shall have the same meaning as\nset forth in article forty-four-B of the vehicle and traffic law.\n (…
N.Y. Insurance Law § 3456 Prohibition against cancellation of policy when motor vehicle is used or operated through a transportation network company program
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§ 3456. Prohibition against cancellation of policy when motor vehicle\nis used or operated through a transportation network company program.\n(a) An insurer shall not cancel an existing motor vehicle insurance\npolicy solely on the basis that the motor vehicle covered by the\nin…
N.Y. Insurance Law § 3457 Group insurance policies for certain for hire motor vehicles
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§ 3457. Group insurance policies for certain for hire motor vehicles.\n(a) For purposes of this section, the following definitions shall apply:\n (1) "Certificate" or "certificate of insurance" means any policy,\ncontract or other evidence of insurance, or endorsement thereto, i…
N.Y. Insurance Law § 3458 Electronic notices and documents
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* § 3458. Electronic notices and documents. (a) As used in this\nsection, the following words shall have the following meanings:\n (1) "Delivered by electronic means" includes:\n (A) delivery to an electronic mail address at which a party has\nconsented to receive notices or doc…
N.Y. Insurance Law § 3458*2 Group insurance for peer-to-peer car sharing programs
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* § 3458. Group insurance for peer-to-peer car sharing programs. (a)\nFor the purposes of this section, the following definitions shall apply:\n (1) "Certificate" or "certificate of insurance" means any policy,\ncontract or other evidence of insurance, or endorsement thereto, is…
N.Y. Insurance Law § 3459 Car share exclusions for motor vehicle insurance policies
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§ 3459. Car share exclusions for motor vehicle insurance policies. (a)\nThe definitions set forth in section three thousand four hundred\nfifty-eight of this article shall apply to this section.\n (b) Notwithstanding any other provision of law to the contrary, the\nshared vehicl…
N.Y. Insurance Law § 346 Annual report on insurance for multi-family buildings
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§ 346. Annual report on insurance for multi-family buildings. An\nauthorized insurer that issues or delivers in this state a policy that\ninsures loss of or damage to real property used predominantly for\nresidential purposes and that consists of two or more dwelling units,\noth…
N.Y. Insurance Law § 3460 Prohibition against cancellation of policy when motor vehicle is used or operated through a peer-to-peer car sharing program
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§ 3460. Prohibition against cancellation of policy when motor vehicle\nis used or operated through a peer-to-peer car sharing program. (a) An\ninsurer shall not cancel an existing motor vehicle insurance policy\nsolely on the basis that the motor vehicle covered by the insurance…
N.Y. Insurance Law § 3461 Notice of claim
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§ 3461. Notice of claim. (a) For purposes of article fifty-one of this\nchapter, 11 NYCRR Part 65 and general liability claims, notice of claim\nto the shared vehicle owner, shared vehicle driver, peer-to-peer car\nsharing program administrator, or any insurer of the shared vehi…
N.Y. Insurance Law § 3462 Affordable housing underwriting and rating
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§ 3462. Affordable housing underwriting and rating. (a) An insurer\nthat issues or delivers in this state a policy of insurance covering\nloss of or damage to real property containing units for residential\npurposes or legal liability of an owner of such real property, shall not…
N.Y. Insurance Law § 401 Title; legislative declaration and purpose
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§ 401. Title; legislative declaration and purpose. This article shall\nbe known and may be cited as the "insurance frauds prevention act".\n (a) The legislature finds and declares that the business of insurance\ndirectly and indirectly affects all sectors of the public, business…
N.Y. Insurance Law § 403 Prohibitions
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§ 403. Prohibitions. (a) In this article, "fraudulent insurance act"\nmeans insurance fraud as defined in section 176.05 of the penal law; and\nthe terms "personal insurance" and "commercial insurance" shall have the\nsame meaning ascribed to them by section 176.00 of such law.\…
N.Y. Insurance Law § 404 Procedures
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§ 404. Procedures. (a) If the superintendent has reason to believe\nthat a person has engaged in, or is engaging in, an act defined in\nsection 155.05 of the penal law, with respect to personal or commercial\ninsurance transactions, the business of life settlements, section 176.…
N.Y. Insurance Law § 405 Reports
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§ 405. Reports. (a) Any person licensed or registered pursuant to the\nprovisions of this chapter, and any person engaged in the business of\ninsurance or life settlement in this state who is exempted from\ncompliance with the licensing requirements of this chapter, including\nt…
N.Y. Insurance Law § 407 Other law enforcement authority, powers and duties not affected or impaired
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§ 407. Other law enforcement authority, powers and duties not affected\nor impaired. This article shall not:\n (a) Preempt the authority or relieve the duty of other law enforcement\nagencies to investigate and prosecute suspected violations of law.\n (b) Prevent or prohibit a p…
N.Y. Insurance Law § 409 Fraud prevention plans and special investigations units
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§ 409. Fraud prevention plans and special investigations units. (a)\nEvery insurer writing private or commercial automobile insurance,\nworkers' compensation insurance, or individual, group or blanket\naccident and health insurance policies issued or issued for delivery in\nthis…