NY State Senate Bill 2021-S7587

Archive: Last Bill Status - In Senate Committee Insurance Committee

Introduced
- In Committee Assembly
- In Committee Senate
- On Floor Calendar Assembly
- On Floor Calendar Senate
- Passed Assembly
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Delivered to Governor
Signed By Governor

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	Assembly Actions - Lowercase Senate Actions - UPPERCASE
Jan 05, 2022	referred to insurance
Dec 10, 2021	referred to rules

2021-S7587 (ACTIVE) - Details

See Assembly Version of this Bill:: A3711
Current Committee:: Senate Insurance
Law Section:: Insurance Law
Laws Affected:: Add Art 42-A §§4250 - 4255, Ins L
Versions Introduced in Other Legislative Sessions:: 2019-2020: A2976
2023-2024: S3570, A258

2021-S7587 (ACTIVE) - Summary

Regulates the issuance of pet insurance policies covering veterinary expenses.

2021-S7587 (ACTIVE) - Sponsor Memo

                                 
BILL NUMBER: S7587

SPONSOR: SKOUFIS
 
TITLE OF BILL:

An act to amend the insurance law, in relation to pet insurance

 
PURPOSE:

This bill regulates the rapidly expanding pet insurance industry by
increasing the disclosure of payment provisions in insurance policies.

 
SUMMARY OF PROVISIONS:

Section 1: Amends Insurance law by adding a new Article 42-A, with the
below sections 4250-4255 to be added.

Section 4250: Sets definitions for new article.

Section 4251: Sets applicability of new article to policies issued to
any NY resident, regardless of the location or jurisdiction in which the
contact was issues or delivered.

Section 4252: Establishes mandatory disclosures and requirements for pet
insurance policies. Includes prohibition on exclusion of pre-existing
conditions, rules regarding waiting periods and deductibles, protocol
for premium increases, and review of denied claims.

Section 4253: Establishes the power of the superintendent of the Depart-
ment of Financial Service to determine civil penalties for violations of
any of the provisions of the new article, not to exceed five thousand
dollars for each violation, or not to exceed ten thousand for violations
be deemed willful.

Section 4254: Establishes the power of the superintendent of the Depart-
ment of Financial Services to issue violation orders to those deemed to
have violated any of provisions of the new article.  Establishes proto-
col for appeal hearings for those accused of violations.

Section 4255: Grants the superintendent of the Department of Financial
Services powers to adopt rules and regulations as are necessary to
administer the new article.

Section 2: Sets effective date.

 
JUSTIFICATION:

According to the American Pet Products Association, the total United
States pet industry expenditures in 2012 were an estimated $53.33
billion, $27.4 billion of which was spent on veterinary care and over
the counter medicine. The pet insurance industry continues to expand due
to the 'high value owners place on their pet's well-being. It is imper-
ative that we have adequate safeguards in place to ensure the proper
growth of this industry.

Currently, the pet insurance industry is completely devoid of any regu-
lation. Pet insurance companies are given wide latitude to charge
different rates depending the type of breed without notification,
utilize their own definitions of terms such as "veterinary expense" and
"pre-existing condition" that may vastly differ from other competitors,
withhold descriptions and calculations of how claim payments are deter-
mined and the State has no express authority to levy penalties against a
pet insurance company even in the event of a blatant misrepresentation.

This bill would protect consumers by establishing uniform definitions
for common terms; require insurers to disclose whether the policy
excludes coverage for pre-existing, hereditary or chronic conditions;
require that a summary description of the method used to determine claim
payments be provided; and allow consumers to return the policy within 30
days if no claim has been paid out. In addition, the Superintendent of
the Department of Financial Services is granted the authority to adopt
regulations in order to implement the merits of this bill, to impose
civil penalties against members of the pet insurance industry and hold
hearings regarding violations.

 
LEGISLATIVE HISTORY:

New bill.

 
FISCAL IMPLICATIONS:

To be determined.

 
EFFECTIVE DATE:
This act shall take effect on the thirtieth day after it shall have
become law.

2021-S7587 (ACTIVE) - Bill Text download pdf

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   7587
 
                        2021-2022 Regular Sessions
 
                             I N  S E N A T E
 
                             December 10, 2021
                                ___________
 
 Introduced  by  Sen. SKOUFIS -- read twice and ordered printed, and when
   printed to be committed to the Committee on Rules
 
 AN ACT to amend the insurance law, in relation to pet insurance
 
   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 article 42-A
 to read as follows:
                               ARTICLE 42-A
                               PET INSURANCE
 SECTION 4250. DEFINITIONS.
         4251. APPLICABILITY.
         4252. COVERAGE DISCLOSURES AND REQUIREMENTS.
         4253. PENALTIES.
         4254. VIOLATIONS.
         4255. RULES AND REGULATIONS.
   § 4250. DEFINITIONS. FOR PURPOSES OF THIS ARTICLE, THE FOLLOWING DEFI-
 NITIONS SHALL APPLY:
   (A) "CHRONIC CONDITION" SHALL MEAN A CONDITION THAT CAN BE TREATED  OR
 MANAGED, EVEN IF NOT CURED.
   (B)  "CONGENITAL  ANOMALY  OR DISORDER" SHALL MEAN A CONDITION THAT IS
 PRESENT FROM BIRTH, WHETHER INHERITED  OR  CAUSED  BY  THE  ENVIRONMENT,
 WHICH,  TO  A REASONABLE MEDICAL CERTAINTY, HAS BEEN DETERMINED TO CAUSE
 OR OTHERWISE CONTRIBUTE TO ILLNESS OR DISEASE.
   (C) "HEREDITARY DISORDER" SHALL MEAN AN  ABNORMALITY  THAT  IS  GENET-
 ICALLY  TRANSMITTED  FROM  PARENT  TO  OFFSPRING  WHICH, TO A REASONABLE
 MEDICAL CERTAINTY, HAS BEEN DETERMINED TO CAUSE ILLNESS OR DISEASE.
   (D) "PET INSURANCE" SHALL MEAN INSURANCE, WHETHER  PROVIDED  UNDER  AN
 INDIVIDUAL  OR GROUP INSURANCE POLICY THAT PROVIDES COVERAGE FOR VETERI-
 NARY EXPENSES.
   (E) "PET INSURER" SHALL MEAN A COMPANY OR ORGANIZATION  WHO  ISSUES  A
 POLICY OF PET INSURANCE.

  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD00885-01-1

 S. 7587                             2
 
   (F)  "PREEXISTING CONDITION" SHALL MEAN ANY CONDITION, WHETHER CURABLE
 OR INCURABLE, WHICH EXISTED OR PRESENTED ON OR BEFORE THE PET  INSURANCE
 POLICY  EFFECTIVE DATE, WHETHER OR NOT A VETERINARIAN PROVIDED A MEDICAL
 DIAGNOSIS OR FOR WHICH THE PET RECEIVED TREATMENT.
   (G)  "VETERINARIAN" SHALL MEAN AN INDIVIDUAL WHO HOLDS A VALID LICENSE
 TO PRACTICE VETERINARY MEDICINE FROM AN APPROPRIATE LICENSING ENTITY  IN
 THE JURISDICTION IN WHICH HE OR SHE PRACTICES.
   (H) "VETERINARY EXPENSES" SHALL MEAN THE COSTS ASSOCIATED WITH VETERI-
 NARY MEDICAL ADVICE, DIAGNOSIS, CARE, TREATMENT OR ALTERNATIVE THERAPIES
 PROVIDED  BY  A VETERINARIAN, INCLUDING, BUT NOT LIMITED TO, THE COST OF
 DRUGS PRESCRIBED BY A VETERINARIAN.
   (I) "WAITING PERIOD" SHALL MEAN THE PERIOD  OF  TIME  SPECIFIED  IN  A
 POLICY OF PET INSURANCE BEFORE COVERAGE BEGINS UNDER SUCH POLICY.
   §  4251.  APPLICABILITY.  A  POLICY OF PET INSURANCE THAT IS MARKETED,
 ISSUED, AMENDED, RENEWED, OR DELIVERED, WHETHER OR NOT IN NEW YORK, TO A
 NEW YORK RESIDENT, ON AND AFTER JULY  FIRST,  TWO  THOUSAND  TWENTY-TWO,
 REGARDLESS  OF  THE  SITUS OF THE CONTRACT OR GROUP POLICYHOLDER, OR THE
 JURISDICTION IN WHICH THE CONTRACT WAS ISSUED OR DELIVERED,  IS  SUBJECT
 TO THIS ARTICLE.
   §  4252.  COVERAGE DISCLOSURES AND REQUIREMENTS.  (A) NO POLICY OF PET
 INSURANCE TO WHICH THIS ARTICLE APPLIES MAY BE  ISSUED  IF  SUCH  POLICY
 EXCLUDES  ANY  OF  THE FOLLOWING: A PRE-EXISTING CONDITION; A CONGENITAL
 ANOMALY OR DISORDER; A HEREDITARY DISORDER; OR A CHRONIC CONDITION.
   (B) (1) EXCLUSIONS  FROM  COVERAGE  OTHER  THAN  THOSE  SET  FORTH  IN
 SUBSECTION  (A) OF THIS SECTION ARE PERMISSIBLE IF PROMINENTLY DISCLOSED
 FOLLOWING THE STATEMENT: "EXCLUSIONS MAY  APPLY.  PLEASE  REFER  TO  THE
 EXCLUSIONS SECTION OF THE POLICY FOR MORE INFORMATION."
   (2)  IF  ANY  POLICY  OF  PET  INSURANCE TO WHICH THIS ARTICLE APPLIES
 PROVIDES A LIMIT ON COVERAGE THROUGH A  WAITING  PERIOD,  A  DEDUCTIBLE,
 CO-INSURANCE  OR AN ANNUAL OR LIFETIME POLICY LIMIT, THE FOLLOWING SHALL
 APPLY:
   (I) THE WAITING PERIOD FOR ACCIDENT COVERAGE SHALL NOT EXCEED ONE  DAY
 AFTER  PURCHASE OR PAYMENT OF THE INITIAL PREMIUM. EXCEPT AS PROVIDED IN
 THE PRECEDING SENTENCE (RELATING TO ACCIDENT COVERAGE), THERE  SHALL  BE
 NO WAITING PERIOD;
   (II) THE DEDUCTIBLE, IF ANY, SHALL BE AN ANNUAL DEDUCTIBLE; AND
   (III) THE WAITING PERIOD, DEDUCTIBLE, CO-INSURANCE REQUIREMENTS AND/OR
 ANNUAL  OR LIFETIME LIMITS, IF ANY, SHALL BE PROMINENTLY DISCLOSED. SUCH
 DISCLOSURE SHALL APPEAR OR BE SUMMARIZED ON THE FIRST PAGE OF SUCH POLI-
 CY OR SHALL BE REFERRED TO ON THE FIRST PAGE IN A  MANNER  THAT  CLEARLY
 INDICATES WHERE SUCH PROVISIONS APPEAR IN SUCH POLICY.
   (3) IF SUCH POLICY PROVIDES FOR ANY OTHER EXCLUSION FROM OR LIMITATION
 ON  COVERAGE,  THE  FOLLOWING  STATEMENT  SHALL BE INCLUDED IN BOLD FONT
 LARGE ENOUGH TO BE EASILY VISIBLE: "OTHER EXCLUSIONS OR LIMITATIONS  MAY
 APPLY.  PLEASE  REFER  TO  THE EXCLUSIONS SECTION OF THE POLICY FOR MORE
 INFORMATION."
   (4) REVIEW OF DENIED CLAIMS SHALL BE HANDLED  BY  A  VETERINARIAN  AND
 DETERMINATIONS  SHALL  BE MADE BASED ON A STANDARD OF REASONABLE MEDICAL
 CERTAINTY. IN THE EVENT A CLAIM HAS BEEN DENIED FOLLOWING AN INITIAL  OR
 FIRST  LEVEL  REVIEW, A SECONDARY REVIEW SHALL BE HANDLED BY AN UNAFFIL-
 IATED, INDEPENDENT VETERINARIAN.
   (C) COVERAGE UNDER A POLICY OF PET INSURANCE  TO  WHICH  THIS  ARTICLE
 APPLIES:
   (1)  SHALL  BE  CONTINUOUS SO LONG AS PREMIUMS ARE PAID, REGARDLESS OF
 ANY CHANGE OF OWNERSHIP OF THE COVERED ANIMAL; AND EACH  POLICY  OF  PET
 S. 7587                             3
 
 INSURANCE  SHALL  BE  TRANSFERABLE AND BE ASSIGNABLE TO A NEW OWNER OF A
 COVERED ANIMAL.
   (2) RENEWAL OF A POLICY OF PET INSURANCE TO WHICH THIS ARTICLE APPLIES
 SHALL  NOT  BE  DENIED  BASED  ON  CLAIMS  HISTORY OR AGE OF THE COVERED
 ANIMAL.
   (3) PREMIUMS FOR A POLICY OF PET  INSURANCE  SHALL  NOT  BE  INCREASED
 BASED ON CLAIMS HISTORY.
   (4) PREMIUM INCREASES SHALL BE APPROVED BY THE SUPERINTENDENT AND SUCH
 APPROVAL SHALL BE MADE AVAILABLE TO THE PUBLIC AT LEAST SIXTY DAYS PRIOR
 TO THE EFFECTIVE DATE OF SUCH INCREASE.
   (D)  IF A PET INSURER USES ANY OF THE DEFINITIONAL TERMS OF THIS ARTI-
 CLE IN A POLICY OF PET INSURANCE, THE INSURER SHALL USE THE  DEFINITIONS
 OF  THOSE  TERMS AS SET FORTH IN THIS ARTICLE AND INCLUDE THE DEFINITION
 OF THE TERM IN THE POLICY. THE PET INSURER SHALL  ALSO  MAKE  THE  DEFI-
 NITION AVAILABLE THROUGH A LINK ON THE MAIN PAGE OF THE INSURER'S INTER-
 NET WEBSITE.
   (E)  A PET INSURER SHALL CLEARLY DISCLOSE A SUMMARY DESCRIPTION OF THE
 BASIS OR FORMULA ON WHICH THE INSURER DETERMINES CLAIM PAYMENTS UNDER  A
 PET  INSURANCE  POLICY  WITHIN THE POLICY AND THROUGH A LINK ON THE MAIN
 PAGE OF THE INSURER'S INTERNET WEBSITE.
   (F) A PET INSURER THAT USES A  BENEFIT  SCHEDULE  TO  DETERMINE  CLAIM
 PAYMENTS UNDER A PET INSURANCE POLICY SHALL DO BOTH OF THE FOLLOWING:
   (1)  CLEARLY  DISCLOSE  THE APPLICABLE BENEFIT SCHEDULE IN THE POLICY;
 AND
   (2) DISCLOSE ALL BENEFIT SCHEDULES USED BY THE INSURER UNDER  ITS  PET
 INSURANCE  POLICIES  THROUGH  A  LINK  ON THE MAIN PAGE OF THE INSURER'S
 INTERNET WEBSITE.
   (G) A PET INSURER THAT DETERMINES CLAIM PAYMENTS UNDER A PET INSURANCE
 POLICY BASED ON USUAL AND CUSTOMARY FEES,  OR  ANY  OTHER  REIMBURSEMENT
 LIMITATION  BASED  ON  PREVAILING  VETERINARY  SERVICE PROVIDER CHARGES,
 SHALL DO BOTH OF THE FOLLOWING:
   (1) INCLUDE A USUAL AND CUSTOMARY  FEE  LIMITATION  PROVISION  IN  THE
 POLICY  THAT CLEARLY DESCRIBES THE INSURER'S BASIS FOR DETERMINING USUAL
 AND CUSTOMARY FEES AND HOW THAT BASIS IS APPLIED  IN  CALCULATING  CLAIM
 PAYMENTS; AND
   (2)  DISCLOSE  THE INSURER'S BASIS FOR DETERMINING USUAL AND CUSTOMARY
 FEES THROUGH A LINK ON THE MAIN PAGE OF THE INSURER'S INTERNET WEBSITE.
   (H) ANY PET INSURER THAT ISSUES A POLICY OF PET INSURANCE  SUBJECT  TO
 THIS  ARTICLE  SHALL  BE PROHIBITED FROM IMPOSING ANY LIMITATIONS ON THE
 TYPE OF LEGAL REMEDIES THAT POLICYHOLDERS MAY SEEK TO PURSUE FOR  RESOL-
 UTION OF DISPUTES RELATING TO SUCH POLICY, INCLUDING DENIALS OF COVERAGE
 AT ANY STAGE. NO PET INSURER MAY LIMIT OR ATTEMPT TO LIMIT RESOLUTION OF
 DISPUTES  BY  POLICYHOLDERS  TO BINDING ARBITRATION, SO AS TO PRECLUDE A
 POLICYHOLDER FROM SEEKING REMEDIES IN COURTS OF LAW.
   (I) THE PET INSURER SHALL CREATE A SUMMARY OF  ALL  POLICY  PROVISIONS
 REQUIRED  IN  THIS  SECTION  INTO  A  SEPARATE  DOCUMENT TITLED "INSURER
 DISCLOSURE OF IMPORTANT POLICY PROVISIONS".
   (J) THE INSURER SHALL POST THE "INSURER DISCLOSURE OF IMPORTANT POLICY
 PROVISIONS" DOCUMENT REQUIRED IN THIS SECTION THROUGH A LINK ON THE MAIN
 PAGE OF THE PET INSURER'S INTERNET WEBSITE.
   (K) (1) IN CONNECTION WITH THE ISSUANCE OF A NEW PET INSURANCE POLICY,
 THE PET INSURER SHALL PROVIDE THE CONSUMER WITH A COPY OF  THE  "INSURER
 DISCLOSURE OF IMPORTANT POLICY PROVISIONS" DOCUMENT REQUIRED PURSUANT TO
 THIS SECTION IN AT LEAST TWELVE POINT TYPE WHEN IT DELIVERS THE POLICY.
   (2)  IN  ADDITION, THE PET INSURANCE POLICY SHALL HAVE CLEARLY PRINTED
 THEREON OR ATTACHED THERETO A NOTICE STATING THAT, AFTER RECEIPT OF  THE
 S. 7587                             4
 
 POLICY  BY  THE OWNER, THE POLICY MAY BE RETURNED TO THE PET INSURER FOR
 CANCELLATION BY DELIVERING IT OR MAILING IT TO THE PET INSURER OR TO THE
 AGENT THROUGH WHOM IT WAS PURCHASED.
   (I)  THE PERIOD OF TIME SET FORTH BY THE PET INSURER FOR RETURN OF THE
 POLICY, THE FREE LOOK PERIOD, SHALL BE CLEARLY STATED ON THE NOTICE  AND
 SHALL NOT BE LESS THAN THIRTY DAYS.
   (II)  THE  DELIVERY OR MAILING OF THE POLICY TO THE PET INSURER BY THE
 PET INSURANCE POLICYHOLDER PURSUANT TO THIS SECTION SHALL VOID THE POLI-
 CY FROM THE BEGINNING, AND THE PARTIES SHALL BE IN THE SAME POSITION  AS
 IF A POLICY OR CONTRACT HAD NOT BEEN ISSUED.
   (III)  ALL  PREMIUMS PAID AND ANY POLICY FEE PAID FOR A POLICY THAT IS
 CANCELLED DURING THE FREE LOOK PERIOD  SHALL  BE  REFUNDED  TO  THE  PET
 INSURANCE  POLICYHOLDER  WITHIN  THIRTY  DAYS FROM THE DATE THAT THE PET
 INSURER IS NOTIFIED OF THE CANCELLATION.   HOWEVER, IF THE  PET  INSURER
 HAS  PAID  ANY  CLAIM,  OR HAS ADVISED THE PET INSURANCE POLICYHOLDER IN
 WRITING THAT A CLAIM WILL BE PAID, THE THIRTY DAY FREE LOOK RIGHT PURSU-
 ANT TO THIS SECTION IS INAPPLICABLE AND INSTEAD  THE  POLICY  PROVISIONS
 RELATING TO CANCELLATION APPLY TO ANY REFUND.
   (L)  THE  DISCLOSURES REQUIRED IN THIS SECTION SHALL BE IN ADDITION TO
 ANY OTHER DISCLOSURE REQUIREMENTS REQUIRED BY LAW OR REGULATION.
   § 4253. PENALTIES.  (A) A PERSON WHO VIOLATES ANY  PROVISION  OF  THIS
 ARTICLE  IS  LIABLE TO THE STATE FOR A CIVIL PENALTY TO BE DETERMINED BY
 THE SUPERINTENDENT,  NOT  TO  EXCEED  FIVE  THOUSAND  DOLLARS  FOR  EACH
 VIOLATION,  OR,  IF  THE  VIOLATION  WAS WILLFUL, A CIVIL PENALTY NOT TO
 EXCEED TEN THOUSAND DOLLARS FOR EACH VIOLATION.  THE SUPERINTENDENT  MAY
 ESTABLISH  THE ACTS THAT CONSTITUTE A DISTINCT VIOLATION FOR PURPOSES OF
 THIS SECTION. HOWEVER, WHEN THE ISSUANCE, AMENDMENT, OR SERVICING  OF  A
 POLICY  OR  ENDORSEMENT  IS  INADVERTENT, ALL OF THOSE ACTS CONSTITUTE A
 SINGLE VIOLATION FOR PURPOSES OF THIS SECTION.
   (B) THE PENALTY IMPOSED BY THIS SECTION SHALL BE IMPOSED BY AND DETER-
 MINED BY THE SUPERINTENDENT. THE PENALTY  IMPOSED  BY  THIS  SECTION  IS
 APPEALABLE.
   § 4254. VIOLATIONS.  (A) WHENEVER THE SUPERINTENDENT SHALL HAVE REASON
 TO  BELIEVE  THAT  A PERSON HAS ENGAGED OR IS ENGAGING IN A VIOLATION OF
 THIS ARTICLE, AND THAT A PROCEEDING BY  THE  SUPERINTENDENT  IN  RESPECT
 THERETO  WOULD  BE  TO THE INTEREST OF THE PUBLIC, HE OR SHE SHALL ISSUE
 AND SERVE UPON THAT PERSON AN ORDER TO SHOW CAUSE CONTAINING A STATEMENT
 OF THE CHARGES IN THAT RESPECT, A STATEMENT OF THAT  PERSON'S  POTENTIAL
 LIABILITY  UNDER THIS PART, AND A NOTICE OF A HEARING THEREON TO BE HELD
 AT A TIME AND PLACE FIXED THEREIN, WHICH SHALL NOT BE LESS  THAN  THIRTY
 DAYS  AFTER  THE SERVICE THEREOF, FOR THE PURPOSE OF DETERMINING WHETHER
 THE SUPERINTENDENT SHOULD ISSUE AN ORDER  TO  THAT  PERSON  TO  PAY  THE
 PENALTY  IMPOSED  BY THIS ARTICLE AND TO CEASE AND DESIST THOSE METHODS,
 ACTS, OR PRACTICES, OR ANY OF THEM, THAT VIOLATE THIS ARTICLE.
   (B) IF THE CHARGES ARE FOUND TO BE JUSTIFIED, THE SUPERINTENDENT SHALL
 ISSUE AND CAUSE TO BE SERVED UPON THAT PERSON AN  ORDER  REQUIRING  THAT
 PERSON  TO  PAY  THE  PENALTY  IMPOSED  BY THIS ARTICLE AND TO CEASE AND
 DESIST FROM ENGAGING IN THOSE METHODS, ACTS, OR PRACTICES FOUND TO BE IN
 VIOLATION OF THIS ARTICLE.
   (C) HEARINGS SHALL BE CONDUCTED ACCORDING TO THE PROCEDURE  DESIGNATED
 BY  THE SUPERINTENDENT.  HOWEVER, THE SUPERINTENDENT SHALL NOT INTERFERE
 WITH OR ABRIDGE THE RIGHTS OF A PET INSURANCE  POLICYHOLDER'S  RIGHT  TO
 SEEK REMEDIES IN A COURT OF LAW.
   (D) PARTIES TO SUCH HEARINGS SHALL BE ENTITLED TO HAVE THE PROCEEDINGS
 AND  THE  ORDER  REVIEWED  BY MEANS OF ANY REMEDY PROVIDED BY THE SUPER-
 INTENDENT.
 S. 7587                             5
 
   (E) THE JURISDICTION OF THE SUPERINTENDENT SHALL NOT BE EXCLUSIVE  AND
 NOTHING IN THIS ARTICLE SHALL BE DEEMED TO PRECLUDE REVIEW BY THE ATTOR-
 NEY GENERAL OF THE STATE OF NEW YORK.
   §  4255.  RULES AND REGULATIONS.  THE SUPERINTENDENT MAY ADOPT REASON-
 ABLE RULES AND REGULATIONS, AS ARE NECESSARY TO ADMINISTER THIS ARTICLE,
 IN ACCORDANCE WITH EXISTING PROCEDURES UNDER THIS CHAPTER,  HOWEVER,  NO
 RULES  OR  REGULATIONS  MAY  INTERFERE  WITH  OR ABRIDGE A PET INSURANCE
 POLICYHOLDER'S RIGHT TO SEEK REMEDIES IN A COURT OF LAW.
   § 2. This act shall take effect on the thirtieth day  after  it  shall
 have become a law.

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Senate Bill S7587

Sponsored By

Archive: Last Bill Status - In Senate Committee Insurance Committee

2021-S7587 (ACTIVE) - Details

2021-S7587 (ACTIVE) - Summary

2021-S7587 (ACTIVE) - Sponsor Memo

2021-S7587 (ACTIVE) - Bill Text download pdf

Comments

Senate Bill S7587

Share this bill

Sponsored By

James Skoufis

Archive: Last Bill Status - In Senate Committee Insurance Committee

2021-S7587 (ACTIVE) - Details

2021-S7587 (ACTIVE) - Summary

2021-S7587 (ACTIVE) - Sponsor Memo

2021-S7587 (ACTIVE) - Bill Text download pdf

Comments