NY A04404

Requires the Commissioner of Motor Vehicles to establish an online verification system to confirm motor vehicle liability insurance coverage and identify uninsured vehicles, replacing the existing pilot database program

Mandates insurers writing private passenger or commercial motor vehicle insurance in New York provide the commissioner access to policy information including cancellations, terminations, non-renewals, issuances, and lapse dates

Requires the online system to be accurate within seven days and include capabilities for web-based inquiries, information security protections, and real-time responses to verification requests

Directs the commissioner to work with state police and local law enforcement to make insurance verification accessible to on-duty officers for checking coverage during official duties

Establishes a minimum one-year testing and pilot period before full implementation, with the system taking effect December 31, 2028