What's happening
This bill allows insurance premium reductions for non-commercial vehicles equipped with automotive safety monitoring devices, especially for minor drivers.
Why it matters
Encourages safer driving habits among minors. By incentivizing the installation of safety monitoring devices, especially for drivers under 22, the bill aims to reduce risky behaviors (like speeding or abrupt braking) through parent/guardian oversight and real-time feedback.
Potential for lower insurance costs. Families with young drivers could see meaningful reductions in insurance premiums if they equip their vehicles with approved monitoring devices, making insurance more affordable for higher-risk groups.
Promotes adoption of vehicle safety technology. The bill defines broad standards for what qualifies as a safety monitoring device—covering GPS trackers, event data recorders, and plug-in diagnostic chips—potentially accelerating consumer adoption of such technologies.
Regulatory clarity and oversight. The bill directs state regulators to set standards for device approval and installation, ensuring that only reliable and effective monitoring technologies can qualify for insurance discounts, which could improve trust and consistency in the market.
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Who cares
Headline styles
Discounts for Safe-Driving Devices
Plain English, a few words. Used as the page title.
Sponsors
No co-sponsors yet.
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.
Lower Car Insurance For Monitors
In Senate Committee · Insurance · Sponsor David Carlucci
Full text
2 pagesUnderlined is new[Struck] is removedOfficial text on nysenate.gov ↗
STATE OF NEW YORK
4209
2019-2020 Regular Sessions
IN ASSEMBLY
February 1, 2019
Introduced by M. of A. WEPRIN -- read once and referred to the Committee on Insurance
AN ACT to amend the insurance law, in relation to providing premium reductions for non-commercial motor vehicles equipped with automotive safety monitoring devices
The People of the State of New York, represented in Senate and Assembly, do enact as follows:
Section 1. Section 2336 of the insurance law is amended by adding a new subsection (i) to read as follows:
(i) Any schedule or rating plan for non-commercial private passenger automobile insurance may also provide for an actuarially appropriate reduction in premium charges for bodily injury liability, property damage liability, personal injury protection, medical payments and collision coverage with respect to automobiles equipped with an automotive safety monitoring device.
(1) For the purposes of this subsection:
(A) (i) "Automotive safety monitoring device" shall mean a tracking device, global positioning system receiver or event data recorder that is installed on an automobile that allows a driver or a minor child's parent or guardian to monitor vehicle speed, acceleration or braking patterns, distance or direction traveled, the number of passengers in such automobile, whether passengers are wearing seat belts, the location of the automobile or other safety indicia when such automobile is being operated by an authorized minor operator.
(ii) Such device need not be permanently installed but must have the capability to accurately monitor the operation of the vehicle and notify parents or guardians of the location of such automobile or of unsafe vehicular movements that are occurring while such vehicle is under the control of a minor vehicle operator.
(iii) Such device may include a removable device or chip which interfaces with the automobile's onboard diagnostic system port and records
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD06240-01-9
A. 4209 2
data from the manufacturer's event data recorder; provided, however, that such device has the capacity to accurately monitor the operation of the automobile.
(B) "Minor child" shall mean a person under the age of twenty-two years who holds a license to operate a motor vehicle.
(2) The superintendent shall, in consultation with the commissioner of motor vehicles, promulgate rules and regulations to establish qualifications and standards for the approval, utilization and installation of automotive safety monitoring devices.
(3) Nothing in this subsection shall be construed to prevent an automobile insurer from providing actuarially appropriate reductions in premium charges for bodily injury liability, property damage liability, personal injury protection, medical payments and collision coverage for commercial automobile insurance policies to any other insured whose automobile is equipped with automotive safety monitoring devices.
§ 2. This act shall take effect on the first of January next succeeding the date on which it shall have become a law and shall apply to all policies issued, renewed, modified, altered or amended on or after such date. Effective immediately the addition, amendment and/or repeal of any rule or regulation necessary for the implementation of this act on its effective date are authorized to be made and completed on or before such date.
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.