NY A01271

Prohibits insurers from reporting policy inquiries, including those revealing loss or damage, to insurance support organizations or companies that maintain claims history reports

Bars insurers from refusing to issue or renew homeowners', personal lines fire, or non-business motor vehicle insurance policies based on policy inquiries

Prevents insurers from imposing higher rates, premiums, or assigning applicants to more expensive affiliates, rating tiers, or categories based on policy inquiries or inquiry history

Applies protections regardless of whether the inquiry was reported to or recorded by claims history organizations

Takes effect 30 days after becoming law