NY S08414

Establishes 30-day payment deadline for first-party auto insurance benefits, with overdue claims bearing 2% monthly interest and allowing claimants to recover attorney's fees for services securing payment.

Permits insurers to deny claims within 60 days based on lack of medical necessity when reviewed by a licensed provider in the relevant field, with review reports provided to claimant within 30 business days.

Authorizes superintendent to suspend or remove health service providers' authorization to bill for services for up to three years upon findings of fraud, misconduct, unlicensed personnel use, billing for unrendered services, or other violations.

Expands definition of "serious injury" to include complete tears or ruptures of nerve, tendon, ligament, cartilage or muscle, and tears or ruptures that cause significant impairment of body function.

Modifies auto insurance coverage to exclude intoxicated drivers from non-emergency benefits but require coverage for emergency hospital services, and allows insurers to pursue claims against covered persons found in violation of DWI laws.