S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   8898
 
                           I N  A S S E M B L Y
 
                             January 19, 2022
                                ___________
 
 Introduced by M. of A. LAWLER -- read once and referred to the Committee
   on Insurance
 
 AN  ACT  to amend the insurance law, the vehicle and traffic law and the
   workers' compensation law, in relation to requiring insurers  to  send
   notices  of  renewal  of certain policies to the insured no later than
   thirty days prior to the expiration of the policy

   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section  1.  The insurance law is amended by adding a new section 3462
 to read as follows:
   § 3462. NOTICE OF RENEWAL REQUIRED. 1.  NOTWITHSTANDING  ANY  CONTRARY
 PROVISION  OF LAW, NO INSURANCE POLICY SUBJECT TO THE PROVISIONS OF THIS
 ARTICLE ISSUED AND DELIVERED ON AND AFTER THE  EFFECTIVE  DATE  OF  THIS
 SECTION  SHALL  BE  RENEWED OR EXTENDED BEYOND ITS POLICY PERIOD OR TERM
 UNLESS THE INSURER PROVIDES A WRITTEN NOTICE OF RENEWAL OR EXTENSION  OF
 THE POLICY TO THE INSURED NO LATER THAN THIRTY DAYS PRIOR TO THE EXPIRA-
 TION OF SUCH POLICY PERIOD OR TERM.
   2.  EVERY  NOTICE  OF  RENEWAL REQUIRED PURSUANT TO SUBDIVISION ONE OF
 THIS SECTION SHALL BE DELIVERED TO THE INSURED IN SUCH FORM AND IN  SUCH
 MANNER AS THE SUPERINTENDENT SHALL PRESCRIBE.
   §  2.  Section  3102  of  the insurance law is amended by adding a new
 subsection (g) to read as follows:
   (G) NOTICE OF RENEWAL REQUIRED. NOTWITHSTANDING ANY CONTRARY PROVISION
 OF LAW, NO RENEWAL OR EXTENSION CERTIFICATE IN CONNECTION WITH AN INSUR-
 ANCE POLICY SUBJECT TO THE REQUIREMENTS OF THIS SECTION SHALL  BE  MADE,
 ISSUED  OR DELIVERED IN THIS STATE UNLESS THE INSURER PROVIDES A WRITTEN
 NOTICE OF SUCH RENEWAL OR EXTENSION TO THE INSURED NO LATER THAN  THIRTY
 DAYS  PRIOR TO THE EXPIRATION OF THE POLICY PERIOD OR TERM IN ACCORDANCE
 WITH THE PROVISIONS OF SECTION THREE THOUSAND FOUR HUNDRED SIXTY-TWO  OF
 THIS CHAPTER.
   §  3.  The  vehicle and traffic law is amended by adding a new section
 313-a to read as follows:
   § 313-A. NOTICE OF RENEWAL. NO  CONTRACT  OF  INSURANCE  FOR  WHICH  A
 CERTIFICATE OF INSURANCE HAS BEEN FILED WITH THE COMMISSIONER IN WHICH A
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
              

                                                            LBD13231-02-2
 A. 8898                             2
 
 NATURAL  PERSON  IS  THE  NAMED  INSURED  AND  THE MOTOR VEHICLE IS USED
 PREDOMINANTLY FOR NON-BUSINESS PURPOSES AND NO SUCH CONTRACT   IN  WHICH
 THE  NAMED  INSURED IS NOT A NATURAL PERSON OR THE MOTOR VEHICLE IS USED
 PREDOMINANTLY  FOR  BUSINESS  PURPOSES  SHALL  BE  RENEWED BY AN INSURER
 UNLESS AT LEAST THIRTY DAYS IN ADVANCE OF THE RENEWAL DATE  THE  INSURER
 MAILS OR DELIVERS TO THE NAMED INSURED AT THE ADDRESS SHOWN ON THE POLI-
 CY  A  WRITTEN  NOTICE  OF RENEWAL. ALL SUCH NOTICES OF RENEWAL SHALL BE
 SENT BY REGULAR MAIL WITH A CERTIFICATE OF MAILING, PROPERLY ENDORSED BY
 THE POSTAL SERVICE TO BE OBTAINED IN A FORM PRESCRIBED  BY  THE  COMMIS-
 SIONER FOR SUCH PURPOSE.
   §  4. Section 54 of the workers' compensation law is amended by adding
 a new subdivision 5-b to read as follows:
   5-B. NOTICE OF RENEWAL. NO CONTRACT OF INSURANCE ISSUED BY  AN  INSUR-
 ANCE  CARRIER  AGAINST  LIABILITY  ARISING  UNDER  THIS CHAPTER SHALL BE
 RENEWED UNLESS THE INSURANCE CARRIER PROVIDES  WRITTEN  NOTICE  OF  SUCH
 RENEWAL  TO  THE EMPLOYER NO LATER THAN THIRTY DAYS PRIOR TO THE EXPIRA-
 TION DATE OF THE POLICY IN ACCORDANCE WITH  THE  PROVISIONS  OF  SECTION
 THREE THOUSAND FOUR HUNDRED SIXTY-TWO OF THE INSURANCE LAW.
   §  5.  This  act shall take effect on the ninetieth day after it shall
 have become a law. Effective immediately, the addition, amendment and/or
 repeal of any rule or regulation necessary  for  the  implementation  of
 this  act  on its effective date are authorized to be made and completed
 on or before such date.