NY State Senate Bill 2023-S4035

Senate Bill S4035

2023-2024 Legislative Session

Authorizes the investigation of insurance fraud and fines related to the commission of such crime and combatting motor vehicle theft

download bill text pdf

Current Bill Status - In Senate Committee Insurance Committee

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

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	Assembly Actions - Lowercase Senate Actions - UPPERCASE
Jan 03, 2024	referred to insurance
Feb 02, 2023	referred to insurance

2023-S4035 (ACTIVE) - Details

See Assembly Version of this Bill:: A9866
Current Committee:: Senate Insurance
Law Section:: Insurance Law
Laws Affected:: Amd §§401, 405 & 2133, Ins L; amd §§165.06, 170.10, 170.15, 176.05 & 176.15, add §175.50, Pen L; add §201-a, amd §§401 & 502, V & T L
Versions Introduced in 2021-2022 Legislative Session:: S7134

2023-S4035 (ACTIVE) - Summary

Authorizes the investigation of fraudulent activities with regard to individuals operating motor vehicles without insurance; increases the civil penalty for forging insurance documents; creates the crime of offering a false application for motor vehicle insurance or registration.

2023-S4035 (ACTIVE) - Sponsor Memo

                                 
BILL NUMBER: S4035

SPONSOR: SCARCELLA-SPANTON
 
TITLE OF BILL:

An act to amend the insurance law, the penal law, and the vehicle and
traffic law, in relation to authorizing the investigation of insurance
fraud and fines related to the commission of such crime and combatting
the theft of motor vehicles

 
PURPOSE:

The purpose of this bill is reduce the incidence motor vehicle theft and
motor vehicle insurance fraud including fraud committed by those who
misrepresent where they live, operate their motor vehicle, and garage
such vehicle for insurance coverage purposes. By misrepresenting where
such motor vehicle operators truly live and operate their motor vehicle,
these persons obtain inappropriate reductions in their auto insurance
premium rates and such costs are shifted to other law abiding motor
vehicle owners. By reducing auto theft in New York, that will help to
curtain future premium rate increases for motor vehicle insurance, espe-
cially in our urban areas.

 
SUMMARY OF PROVISIONS:

Section 1: Adds a new Insurance Law section 401(d) to explicitly expand
the authority of the Superintendent of Financial Services, under the
Insurance Fraud prevention Article, to investigate fraudulent activities
with regard to motor vehicle operators who have not secured automobile
insurance coverage or who misrepresent the principle place where such
automobiles are garaged and operated.

Section 2: Amends Insurance Law section 405(a) to authorize the Insur-
ance Frauds Bureau to accept reports of suspected fraudulent insurance
transactions from any self-insurer with regard to motor vehicle liabil-
ity coverage.

Section 3: Amends Insurance Law section 2133 to expand the scope of
prohibition for any insurance company, insurance agent, broker, or other
person who knowingly possesses, produces, transfers or uses a forged
insurance identification card to also include other false insurance
documents which purports to evince insurance coverage when it is not in
effect or is at limits less than those stated on the document.

Section 4: Section 1. Amends Section 165.06 of the Penal Law, to include
unauthorized use of a motor vehicle in the first degree, grand larceny
of a motor vehicle, criminal possession of a motor vehicle, auto strip-
ping or illegal possession of a vehicle identification number as predi-
cate convictions for the unauthorized use of a vehicle in the second
degree.

Section 5: Amends Penal Law section 170.10 to add a new (6) to the list
of documents that the forgery of is considered to be forgery in the
Second Degree. The new document that, if forged, would be forgery in the
Second Degree are certificates of insurance or an insurance identifica-
tion card.

Section 6: Amends Penal Law section 170.15 (Forgery in the First Degree)
to include as forgery in the first degree, the fraudulent making,
completion, or alteration of 10 or more written instruments, such as
certificates of insurance or insurance identification cards:

Section 7: Adds a new Penal Law section 175.50 to make it a class E
felony to offer a false application for motor vehicle insurance or
registration. Under this provision, anyone who submits to the Department
of Motor vehicles or to an auto insurer (to obtain an auto insurance
policy or insurance identification card) any document that contains a
false statement or information with regard to where such applicant
resides or where such applicant's motor vehicle is garaged or operated
and such document is used directly or indirectly to register an automo-
bile shall be a class E felony.

Section 8: Amends Penal Law section 176.05 which defines the term
"insurance fraud". Under this bill, the term "insurance fraud" is
expanded to include any false document used to secure either insurance
coverage, file an insurance policy claim, or obtain payment for personal
lines insurance coverages (i.e. auto and homeowners insurance). Under
current law, only false documents that are used to secure commercial
lines policies or money for claims against a commercial lines policy
(i.e. general liability or business property policies) are considered to
be insurance fraud. This bill expands the types of insurance policies
that persons cannot lie about to obtain coverage or claims payment to
include personal lines coverages such as motor vehicle liability or
homeowners insurance.

Section 9: Amends Penal Law section 176.15 to expand the scope of insur-
ance fraud in the fourth degree to include the operation of a motor
vehicle on a public highway when such operator is insured by a policy
issued under the laws of another state, but such person in fact princi-
pally lives and garages their vehicle in New York.

Section 10: A new Vehicle & Traffic Law section 201-a is added to give
law enforcement personnel access to any individual's street address,
vehicle and EZ Pass information provided to the Department of Motor
Vehicles to register a motor vehicle in this state or to obtain a driv-
er's license in this State. This information can be used to ensure that
those who submit information to the Department submit accurate informa-
tion of their residence and where they operate and garage their motor
vehicle for auto insurance premium rating purposes.

Section 11: Amends Vehicle & Traffic Law section 401(1) to require that
all those who file an application to register an automobile in New York
must provide their street address where they reside if such person uses
a Post Office box for their location of residence. The purpose of this
provision is to curtail those that submit fraudulent information on
where such applicants truly reside.

Section 12: Amends Vehicle & Traffic Law section 502(1) to require that
all those who file an application for a driver's license must provide
their street address where they reside if such person uses a Post Office
box for their location of residence.

 
JUSTIFICATION:

The purpose of this bill is to address the ever increasing incidence of
auto theft and auto insurance fraud in this state. These two illegal
activities are related to each other because by reducing the incidence
of auto theft, that will reduce the cost of providing auto insurance in
this state.

More particularly, this bill seeks to address insurance fraud that is
perpetrated against those law abiding operators of motor vehicles that
accurately and truthfully disclose where they reside and operate and
garage their vehicles, regardless of where they live. Some who live in
high auto insurance rate areas, such as the New York City metropolitan
area, misrepresent where they live, garage and operate their automobiles
and fraudulently maintain that they live in low insurance premium rate
areas that are either upstate or out of state.

There is a prevalence of in-state residents misrepresenting their true
place of residence so that they can obtain much lower auto insurance
rates. Instead of disclosing their true address in high insurance premi-
um places such as, for example, Bronx or Kings Counties, they state that
they live in lower insurance premium rated territories such as North
Carolina, Pennsylvania, or upstate counties that have much lower inci-
dents of motor vehicle theft, car accidents or judgments relegated to
motor vehicle accidents. This issue was a topic of a report released in
2006 by the State Commission on Investigations. Since 2006, the commis-
sion has sunsetted, yet the problem is even more pervasive than ever
before.

This situation of rate evasion, while artificially lowering the insur-
ance rates of those who fraudulently do not disclose their true residen-
tial address, substantially increases the insurance premiums paid by
those who truthfully disclose their actual place of residence and where
they operated and garaged their cars. This bill should bring more equity
to those who purchase auto insurance coverages in this state and ensure
that everyone pays their fair share for auto insurance coverages that
matches their actuarial risk of potential physical damage or theft of
their automobiles, risk of personal injury or liability exposure due to
judgments obtain in local courts.

Section 4 of this bill addresses an inconsistency in the law as it
related to auto theft crimes. Under current law, a person may be charged
with the crime of unauthorized use of a vehicle in the second degree if
he or she has a prior conviction for unauthorized use within a 10 year
period of the new offense. However, this enhancement does not apply if a
defendant's prior convictions include more serious offenses such as
grand larceny, or other vehicle related crimes. This bill corrects this
shortcoming by including the offenses of unauthorized use of a vehicle
in the first degree, grand larceny, criminal possession, auto stripping,
or illegal possession of a vehicle identification number among the pred-
icate convictions for charge enhancement.

 
LEGISLATIVE HISTORY:

This bill is similar to S.1146 of 2015/2016which remained in the Insur-
ance Committee;

This bill (S. 2373) passed the Senate in 2013 and 2014, 2011-2012 - S.
4847 - Passed Senate in 2011, and reported to Sen. Calendar in 2012

Similar to S.988 of 2011- Similar to S.7091 of 2010 - Referred to Insur-
ance

Similar to S.3665 of 2017 - passed Senate in 2018.

 
FISCAL IMPLICATIONS:

None

 
EFFECTIVE DATE:
180 days after it shall have become law, provided however, that sections
4, 5, 6, 7, 8 and 9 shall go into effect on November 1, next succeeding
the date on which it shall have become law.

2023-S4035 (ACTIVE) - Bill Text download pdf

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   4035
 
                        2023-2024 Regular Sessions
 
                             I N  S E N A T E
 
                             February 2, 2023
                                ___________
 
 Introduced  by Sen. SCARCELLA-SPANTON -- read twice and ordered printed,
   and when printed to be committed to the Committee on Insurance
 
 AN ACT to amend the insurance law, the penal law, and  the  vehicle  and
   traffic law, in relation to authorizing the investigation of insurance
   fraud and fines related to the commission of such crime and combatting
   the theft of motor vehicles
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. Section 401 of the insurance law is amended by adding a new
 subsection (d) to read as follows:
   (D) THE SUPERINTENDENT SHALL HAVE AUTHORITY PURSUANT TO  THIS  CHAPTER
 TO  INVESTIGATE  FRAUDULENT  ACTIVITIES  WITH REGARD TO INDIVIDUALS THAT
 OPERATE MOTOR VEHICLES WITH NO INSURANCE  COVERAGE,  AND  MOTOR  VEHICLE
 INSUREDS  WHO MISREPRESENT THE PRINCIPAL PLACE WHERE INSURED MOTOR VEHI-
 CLES ARE GARAGED AND OPERATED. OPERATING MOTOR VEHICLES  WITHOUT  PROPER
 INSURANCE  IN VIOLATION OF ARTICLE SIX OF THE VEHICLE AND TRAFFIC LAW IS
 A SIGNIFICANT DANGER TO THE PUBLIC BECAUSE DRIVERS ARE UNABLE TO COMPEN-
 SATE INDIVIDUALS FOR PERSONAL INJURIES, DEATH AND PROPERTY  DAMAGE  THEY
 INFLICT  UPON OTHERS.  FURTHERMORE, MOTOR VEHICLE INSUREDS WHO MISREPRE-
 SENT THE PRINCIPAL PLACE WHERE SUCH VEHICLES ARE  GARAGED  AND  OPERATED
 IMPROPERLY  SHIFT  THEIR  HIGH  LIABILITY  EXPOSURE COSTS TO OTHER MOTOR
 VEHICLE INSUREDS THAT DO NOT FACE SUCH HIGH LIABILITY RISK AND INSURANCE
 PREMIUM COSTS.
   § 2. Subsection (a) of section 405 of the insurance law, as amended by
 section 7 of part A of chapter 62 of the laws of  2011,  is  amended  to
 read as follows:
   (a)  Any  person  licensed or registered pursuant to the provisions of
 this chapter, and any person engaged in the  business  of  insurance  or
 life  settlement  in this state who is exempted from compliance with the
 licensing requirements of this chapter, including  the  state  insurance
 fund  of  this state, who has reason to believe that an insurance trans-
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD08382-01-3

 S. 4035                             2
 
 action or life settlement act may be fraudulent, or has knowledge that a
 fraudulent insurance transaction or fraudulent life  settlement  act  is
 about  to take place, or has taken place shall, within thirty days after
 determination  by such person that the transaction appears to be fraudu-
 lent, send to the superintendent on a form prescribed by the superinten-
 dent, the information requested by the form and such additional informa-
 tion relative to the factual circumstances of the  transaction  and  the
 parties  involved  as the superintendent may require. The superintendent
 shall accept reports of suspected fraudulent insurance  transactions  or
 fraudulent life settlement acts from any self insurer, including but not
 limited  to  self  insurers  providing  health insurance coverage, THOSE
 PROVIDING MOTOR VEHICLE LIABILITY INSURANCE or those defined in  section
 fifty  of the workers' compensation law, and shall treat such reports as
 any other received pursuant to this section.
   § 3. Section 2133 of the insurance law, as amended by  chapter  77  of
 the laws of 1994, is amended to read as follows:
   §  2133. [Forged] FALSE INSURANCE DOCUMENTS AND FORGED insurance iden-
 tification cards. Any  insurance  company,  insurance  agent,  insurance
 broker  or  other person who or which, personally or by the action of an
 employee or agent, KNOWINGLY possesses, PRODUCES transfers or uses:  (A)
 ANY  DOCUMENT  WHICH  PURPORTS  TO  EVINCE  INSURANCE COVERAGE WHEN SUCH
 COVERAGE IS NOT IN EFFECT OR IS IN EFFECT  AT  LIMITS  LESS  THAN  THOSE
 STATED  IN  THE  DOCUMENT; OR (B) a forged insurance identification card
 for a motor  vehicle,  having  knowledge,  personally  or  through  such
 employee  or agent, of the fact that such insurance identification card,
 when issued, did not actually represent an owner's policy  of  liability
 insurance  or  a  financial security bond issued by an insurance company
 licensed to do business in this state covering the motor vehicle identi-
 fied on such card, shall be liable for payment to  the  people  of  this
 state  of  a  civil  penalty  in  a sum not exceeding [one] TWO thousand
 dollars for the first such violation and a sum not exceeding five  thou-
 sand  dollars  for  each  subsequent violation. For the purposes of this
 section the term "forged insurance identification card" means a  written
 insurance  identification card which has been falsely made, completed or
 altered, and the term "falsely made, completed or  altered"  shall  have
 the same meaning as set forth in section 170.00 of the penal law.
   § 4. Section 165.06 of the penal law, as amended by chapter 413 of the
 laws of 1982, is amended to read as follows:
 § 165.06 Unauthorized use of a vehicle in the second degree.
   A  person  is  guilty  of  unauthorized use of a vehicle in the second
 degree when:
   He OR SHE commits the crime of unauthorized use of a  vehicle  in  the
 third  degree  as  defined  in subdivision one of section 165.05 of this
 article and has been previously convicted of the crime  of  unauthorized
 use of a vehicle [in the third degree] as defined in [subdivision one of
 section  165.05  or  second degree] SECTIONS 165.05, 165.06, AND 165.08,
 AUTO STRIPPING AS DEFINED IN SECTIONS 165.09, 165.10, AND 165.11,  GRAND
 LARCENY  OF  A  MOTOR  VEHICLE  AS  DEFINED  IN SECTIONS 155.30, 155.35,
 155.40, AND 155.42, CRIMINAL POSSESSION OF STOLEN PROPERTY AS DEFINED IN
 SECTIONS 165.40, 165.45, 165.50, 165.52,   AND  165.54  AND  THE  STOLEN
 PROPERTY  CONSISTED OF A MOTOR VEHICLE, OR ILLEGAL POSSESSION OF A VEHI-
 CLE IDENTIFICATION NUMBER  AS  DEFINED  IN  SECTION  170.70  within  the
 preceding ten years.
   Unauthorized  use of a vehicle in the second degree is a class E felo-
 ny.
 S. 4035                             3
 
   § 5.  Subdivision 5 of section 170.10 of the penal law is amended  and
 a new subdivision 6 is added to read as follows:
   5. A prescription of a duly licensed physician or other person author-
 ized  to issue the same for any drug or any instrument or device used in
 the taking or  administering  of  drugs  for  which  a  prescription  is
 required by law[.]; OR
   6.  A CERTIFICATE OF INSURANCE OR AN INSURANCE IDENTIFICATION CARD, AS
 DEFINED IN SECTION THREE HUNDRED ELEVEN OF THE VEHICLE AND TRAFFIC LAW.
   § 6. Section 170.15 of the penal law is amended to read as follows:
 § 170.15 Forgery in the first degree.
   A person is guilty of forgery in the first degree when, with intent to
 defraud, deceive or injure another, he OR SHE falsely  makes,  completes
 or alters [a]:
   1. TEN OR MORE WRITTEN INSTRUMENTS; OR
   2. A written instrument which is or purports to be, or which is calcu-
 lated to become or to represent if completed:
   [1.]  (A) Part of an issue of money, stamps, securities or other valu-
 able instruments issued by a government or governmental instrumentality;
 or
   [2.] (B) Part of an issue of stock, bonds or other instruments repres-
 enting interests in or claims against a corporate or other  organization
 or its property.
   Forgery in the first degree is a class C felony.
   §  7.  The penal law is amended by adding a new section 175.50 to read
 as follows:
 § 175.50 OFFERING A FALSE APPLICATION FOR  MOTOR  VEHICLE  INSURANCE  OR
            REGISTRATION.
   A  PERSON  IS GUILTY OF OFFERING A FALSE APPLICATION FOR MOTOR VEHICLE
 INSURANCE OR REGISTRATION WHEN KNOWING THAT ANY DOCUMENT HE OR SHE FILES
 WITH THE DEPARTMENT OF MOTOR VEHICLES OR AN INSURER PROVIDING  LIABILITY
 INSURANCE FOR A MOTOR VEHICLE CONTAINS A FALSE STATEMENT OR FALSE INFOR-
 MATION  WITH REGARD TO WHERE HE OR SHE RESIDES OR WHERE HIS OR HER MOTOR
 VEHICLE IS GARAGED AND OPERATED.
   OFFERING A FALSE APPLICATION FOR MOTOR VEHICLE INSURANCE OR  REGISTRA-
 TION IS A CLASS E FELONY.
   §  8.  Subdivision 1 of section 176.05 of the penal law, as amended by
 chapter 211 of the laws of 2011, is amended to read as follows:
   1. any written statement as part of, or in support of, an  application
 for  the issuance of, or the rating of a commercial insurance policy, or
 certificate or evidence of self insurance  for  commercial  OR  PERSONAL
 insurance  or  commercial  OR  PERSONAL  self  insurance, or a claim for
 payment or other benefit pursuant to an insurance policy or self  insur-
 ance  program  for commercial or personal insurance that he or she knows
 to:
   (a) contain materially false information concerning any fact  material
 thereto; or
   (b) conceal, for the purpose of misleading, information concerning any
 fact material thereto; or
   § 9. Section 176.15 of the penal law, as amended by chapter 515 of the
 laws of 1986, is amended to read as follows:
 § 176.15 Insurance fraud in the fourth degree.
   A  person  is  guilty  of insurance fraud in the fourth degree when he
 [commits] OR SHE:
   1. COMMITS a fraudulent insurance act and  thereby  wrongfully  takes,
 obtains or withholds, or attempts to wrongfully take, obtain or withhold
 property with a value in excess of one thousand dollars; OR
 S. 4035                             4
 
   2.  OPERATES A MOTOR VEHICLE ON A PUBLIC HIGHWAY, WHEN BEING THE OWNER
 OF SUCH MOTOR VEHICLE, HE OR SHE KNOWS THE MOTOR VEHICLE IS INSURED BY A
 POLICY ISSUED UNDER THE LAWS OF ANOTHER STATE, WHEN  SUCH  PERSON  MAIN-
 TAINS HIS OR HER PRINCIPAL RESIDENCE IN THIS STATE OR SUCH MOTOR VEHICLE
 IS  PRINCIPALLY  GARAGED  IN  THIS  STATE, AND SUCH INSURANCE POLICY WAS
 ISSUED UPON ANY WRITTEN OR ORAL STATEMENT BY SUCH PERSON THAT HE OR  SHE
 PRINCIPALLY  RESIDES  IN  SUCH OTHER STATE OR THAT SUCH MOTOR VEHICLE IS
 PRINCIPALLY GARAGED IN SUCH OTHER STATE.
   Insurance fraud in the fourth degree is a class E felony.
   § 10. The vehicle and traffic law is amended by adding a  new  section
 201-a to read as follows:
   § 201-A. ACCESS TO INFORMATION. THE DEPARTMENT, AS WELL AS ANY DEPART-
 MENT, AGENCY, AUTHORITY OR GOVERNMENT ENTITY, MAINTAINING VEHICLE, RESI-
 DENCE  OR  EZ  PASS  INFORMATION,  SHALL ALLOW LAW ENFORCEMENT PERSONNEL
 ACCESS TO ANY INDIVIDUAL'S STREET ADDRESS PROVIDED PURSUANT TO PARAGRAPH
 B OF SUBDIVISION ONE OF SECTION FOUR HUNDRED ONE AND  SUBDIVISION  ONE-A
 OF SECTION FIVE HUNDRED TWO OF THIS CHAPTER.
   §  11.  Paragraph b of subdivision 1 of section 401 of the vehicle and
 traffic law, as amended by chapter 222 of the laws of 1996,  is  amended
 to read as follows:
   b.  Every  owner  of a motor vehicle which shall be operated or driven
 upon the public highways  of  this  state  shall,  except  as  otherwise
 expressly  provided, cause to be presented, by mail or otherwise, to the
 office or a branch office of the commissioner, or to any  agent  of  the
 commissioner,  constituted  as  provided in this chapter, an application
 for registration addressed to the commissioner, and on  a  blank  to  be
 prepared  under  the  direction of and furnished by the commissioner for
 that purpose, containing: (a) a brief description of the  motor  vehicle
 to be registered, including the name and factory number of such vehicle,
 and  such  other facts as the commissioner shall require; (b) the weight
 of the vehicle upon which the registration fee is based if  the  fee  is
 based  on  weight;  (c)  the name and residence, including county of the
 owner of such motor vehicle, PROVIDED THAT IF THE APPLICANT USES A  POST
 OFFICE BOX WHEN PROVIDING A RESIDENCE ADDRESS, SUCH APPLICANT SHALL ALSO
 PROVIDE  THE  STREET  ADDRESS  AT  WHICH HE OR SHE RESIDES; (d) provided
 that, if such motor vehicle is used or to be used  as  an  omnibus,  the
 applicant  also  shall  so  certify,  and in the case of an omnibus also
 certify as to the seating capacity, and if the omnibus is to be operated
 wholly within a municipality pursuant to a franchise other than a  fran-
 chise  express  or  implied  in  articles  of incorporation upon certain
 streets designated in such franchise, those facts shall also  be  certi-
 fied,  and  a  certified copy of such franchise furnished to the commis-
 sioner; (e) provided, that, if such motor vehicle is an altered  livery,
 the  applicant  shall  so  furnish a certified copy of the length of the
 center panel of such vehicle, provided, however, that  the  commissioner
 shall  require  such  proof, as he OR SHE may determine is necessary, in
 the application for registration and provided  further,  if  the  center
 panel of such vehicle exceeds one hundred inches, the commissioner shall
 require  proof  that  such  vehicle is in compliance with all applicable
 federal and state motor vehicle safety standards;  and  (f)  such  addi-
 tional  facts  or evidence as the commissioner may require in connection
 with the application for registration. Every owner of  a  trailer  shall
 also  make application for the registration thereof in the manner herein
 provided for an application to  register  a  motor  vehicle,  but  shall
 contain a statement showing the manufacturer's number or other identifi-
 cation satisfactory to the commissioner and no number plate for a trail-
 S. 4035                             5
 
 er  issued  under  the  provisions  of subdivision three of section four
 hundred two of this [chapter] ARTICLE shall be transferred  to  or  used
 upon  any  other  trailer than the one for which number plate is issued.
 The  commissioner  shall require proof, in the application for registra-
 tion, or otherwise, as such commissioner may determine, that  the  motor
 vehicle  for  which  registration is applied for is equipped with lights
 conforming in all respects to the requirements of this chapter,  and  no
 motor  vehicle shall be registered unless it shall appear by such proofs
 that such motor vehicle is equipped with proper lights as aforesaid. The
 said application shall contain or be accompanied by such evidence of the
 ownership of the motor vehicle described in the application  as  may  be
 required by the commissioner or his OR HER agent and which, with respect
 to  new  vehicles, shall include, unless otherwise specifically provided
 by the commissioner, the manufacturer's statement  of  origin.  Applica-
 tions received by an agent of the commissioner shall be forwarded to the
 commissioner  as  he  OR SHE shall direct for filing. No application for
 registration shall be accepted unless the applicant is at least  sixteen
 years  of age AND HAS SIGNED SUCH APPLICATION ATTESTING TO THE TRUTH AND
 VERACITY OF THE FACTS STATED THEREIN.
   § 12. Section 502 of the vehicle and traffic law is amended by  adding
 a new subdivision 1-a to read as follows:
   1-A.  PROVISION  OF STREET ADDRESS. IN ADDITION TO THE REQUIREMENTS OF
 SUBDIVISION ONE OF THIS SECTION, EACH APPLICANT, WHEN PROVIDING  HIS  OR
 HER  ADDRESS,  SHALL  PROVIDE  THE  STREET  ADDRESS  AT  WHICH HE OR SHE
 RESIDES. THE APPLICANT SHALL SIGN HIS OR HER  APPLICATION  ATTESTING  TO
 THE TRUTH AND VERACITY OF THE PLACE OF HIS OR HER RESIDENCE.
   §  13.  This  act  shall  take effect on the one hundred eightieth day
 after it shall have become a law; provided however, that sections  four,
 five,  six,  seven,  eight and nine of this act shall take effect on the
 first of November next succeeding the date on which it shall have become
 a law.

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