NY A10364

Defines "telematics systems" as technology that monitors and transmits vehicle location, driver behavior, engine performance, and motor vehicle activity for insurance purposes

Requires insurers and third-party telematics vendors to file their models or algorithms with the Superintendent of Insurance and explain how factors used relate to risk of loss

Mandates public disclosure of scoring methodologies and requires reporting on testing done to prevent discrimination against protected classes

Grants consumers the right to request access to their collected telematics data in a readable format

Prohibits use of telematics data for purposes other than underwriting and rating, and bans unfair discrimination based on race, color, national origin, religion, sex, sexual orientation, disability, gender identity, or gender expression