NY A10015

Defines telematics systems as technology monitoring motor vehicle location, driver behavior, engine performance, and vehicle activity, and classifies third-party developers and vendors as rate service organizations subject to insurance regulation.

Requires insurers and telematics vendors to provide the superintendent with explanations of how model factors connect to risk, publicly disclose scoring methodologies, and report testing results demonstrating the system does not discriminate against protected classes.

Mandates consumers be allowed to request and receive access to data collected by telematics systems in a readable format prescribed by the superintendent.

Prohibits insurers and telematics vendors from using collected data for purposes other than underwriting and rating decisions, and from unfairly discriminating based on race, color, national origin, religion, sex, sexual orientation, disability, gender identity, or gender expression.

Takes effect ninety days after becoming law.