What's happening
This bill requires motorcycle insurance policies to inform policyholders that no-fault insurance does not apply and underinsured motorist coverage is available.
Why it matters
Raises consumer awareness. by requiring insurers to clearly inform motorcycle policyholders that typical no-fault insurance protections (like automatic medical coverage after an accident) do not apply to motorcycles, addressing a common misconception.
Highlights the availability and importance of underinsured motorist coverage. , encouraging riders to consider extra protection in case they are injured by a driver with insufficient insurance—potentially reducing their own financial risk.
Explicitly warns that basic legal coverage may be inadequate. , noting that minimum required insurance ($25,000) may not cover all damages, prompting riders to make more informed decisions about their insurance needs.
May impact insurance purchasing behavior. , leading to more motorcycle owners opting for higher or additional coverage, thus potentially reducing uncompensated losses after accidents.
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Who cares
Headline styles
Inform Motorcycle Owners of Coverage
Plain English, a few words. Used as the page title.
Sponsors
8 Co-sponsors
History
- Referred to insurance
- Referred to insurance
Companion bill
The same bill in the other chamber. A bill becomes law when one version passes both houses and the governor signs it, so either number can carry it.
Inform Motorcyclists About Insurance
In Assembly Committee · Insurance · Sponsor John A. DeFrancisco
Full text
1 pageUnderlined is new[Struck] is removedOfficial text on nysenate.gov ↗
STATE OF NEW YORK
216
2017-2018 Regular Sessions
IN ASSEMBLY (Prefiled)
January 4, 2017
Introduced by M. of A. LUPARDO, LOPEZ, STIRPE, BENEDETTO, ORTIZ, MURRAY, STECK -- Multi-Sponsored by -- M. of A. CRESPO, CROUCH, HEVESI, RAMOS -- read once and referred to the Committee on Insurance
AN ACT to amend the insurance law, in relation to motorcycle insurance policies
The People of the State of New York, represented in Senate and Assembly, do enact as follows:
Section 1. Section 5103 of the insurance law is amended by adding a new subsection (f-1) to read as follows:
(f-1) Every owner's policy of liability insurance issued on a motorcycle in satisfaction of the requirements of article six or eight of the vehicle and traffic law or section twenty-four hundred seven of such law shall inform the insured that no-fault insurance provisions for automobiles or motor vehicles do not apply to motorcycles and that state underinsured motorist coverage is available, and that the lack of no-fault insurance under some circumstances can be offset by the purchase of state underinsured motorist coverage, since damages may exceed twentyfive thousand dollars, which is the amount of coverage required by law.
§ 2. This act shall take effect on the one hundred twentieth day after it shall have become a law; provided that any rules and regulations necessary to implement the provisions of this act on its effective date are authorized and directed to be promulgated and shall become effective on such date.
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD02178-01-7
Reflowed for reading: line numbers and page breaks removed. Cite the official text.
Summaries, headlines and scores are AI-generated from the official bill text. How we score bills. Source: NYS Open Legislation.