NY A07710

Authorizes auto insurers to collect telematics data (vehicle speed, location, mileage, driver braking/acceleration habits, phone usage while driving, road conditions, engine diagnostics) with driver consent for premium setting, claims investigation, rate filings, and customer service purposes

Prohibits insurers from requiring participation in telematics programs as a condition for private passenger auto insurance unless the insurer exclusively offers telematics-based products and clearly discloses this requirement at application, renewal, and in all advertising

Requires premium increases based on telematics data to follow existing insurance law provisions and federal Fair Credit Reporting Act notice requirements

Restricts insurers from sharing telematics data with third parties without the named insured's consent, except pursuant to court orders or subpoenas

Takes effect 90 days after becoming law, with the Superintendent of Insurance granted authority to promulgate implementing regulations