What's happening
This bill prohibits insurers from penalizing or reporting consumers based solely on insurance policy inquiries, including those revealing loss or damage.
Why it matters
Protects consumers who simply ask questions about their insurance. the bill ensures that merely making an inquiry about a policy (even if it reveals a potential loss or damage) cannot be used as a reason to deny coverage, raise premiums, or assign customers to more expensive policy categories.
Limits the data shared about consumers with third parties. insurers are barred from reporting policy inquiries, including those disclosing loss or damage, to organizations that collect and maintain claims histories, reducing the risk of inquiries negatively affecting your insurance record across companies.
Encourages openness between consumers and insurers. by removing penalties for making inquiries, policyholders are more likely to seek information or clarify coverage without fear of repercussions, potentially leading to better-informed insurance decisions and claims processes.
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Who cares
Headline styles
Ban Insurance Inquiry Discrimination
Plain English, a few words. Used as the page title.
Sponsors
No co-sponsors yet.
History
- Referred to insurance
- Referred to insurance
Full text
1 pageUnderlined is new[Struck] is removedOfficial text on nysenate.gov ↗
STATE OF NEW YORK
2270
2017-2018 Regular Sessions
IN ASSEMBLY
January 17, 2017
Introduced by M. of A. PEOPLES-STOKES -- read once and referred to the Committee on Insurance
AN ACT to amend the insurance law, in relation to discrimination based on inquiries
The People of the State of New York, represented in Senate and Assembly, do enact as follows:
Section 1. The insurance law is amended by adding a new section 2616 to read as follows:
§ 2616. Discrimination based on inquiries. (a) No insurer shall report to an insurance support organization or company that collects and maintains claims history reports from insurers, any inquiry about a policy, including any inquiry in which loss or damage is revealed under a homeowners', personal lines fire, or non-business motor vehicle insurance policy.
(b) No insurer shall refuse to issue or renew a homeowners', personal lines fire, or non-business motor vehicle insurance policy, impose or offer a higher rate or premium for any such policy, or assign to a more expensive affiliate, rating tier or category, an insured or applicant for any such policy on the basis of any inquiry about a policy, including any inquiry in which loss or damage is revealed to the insurer or any previous insurers, or on the basis of any such inquiry reported to or recorded by an insurance support organization or company that collects and maintains claims history reports from insurers.
§ 2. This act shall take effect on the thirtieth day after it shall have become a law.
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD03458-01-7
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.