NY A04668

Insurers using driving history as a rating or underwriting factor for private passenger motor vehicle insurance must verify the applicant's driving history through a third party database before binding a policy or accepting any premium payment.

Insurers must verify the driving history of all named drivers listed on the application that are used to rate the policy through a third party database.

Insurers must verify driving history of any named driver added during the policy period and verify all drivers used to rate the policy at renewal through a third party database.

The act takes effect 90 days after becoming law and applies to policies issued, renewed, or modified on or after that date.