Senate Bill S4397

2011-2012 Legislative Session

Prohibits the charging of a deductible when a motor vehicle, through no fault of the insured, is in an accident with a municipally-owned snow removal vehicle

download bill text pdf

Sponsored By

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
    • Passed Senate
  • Delivered to Governor
  • Signed By Governor

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2011-S4397 (ACTIVE) - Details

See Assembly Version of this Bill:
A7258
Current Committee:
Senate Insurance
Law Section:
Insurance Law
Laws Affected:
Amd §3411, Ins L
Versions Introduced in 2009-2010 Legislative Session:
S1673, A2167

2011-S4397 (ACTIVE) - Summary

Prohibits the charging of a deductible when a motor vehicle, through no fault of the insured, is in an accident with a municipally-owned snow removal vehicle.

2011-S4397 (ACTIVE) - Sponsor Memo

2011-S4397 (ACTIVE) - Bill Text download pdf 

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                  4397

                       2011-2012 Regular Sessions

                            I N  S E N A T E

                              April 4, 2011
                               ___________

Introduced  by Sen. FLANAGAN -- read twice and ordered printed, and when
  printed to be committed to the Committee on Insurance

AN ACT to amend the insurance law, in relation to liability for vehicles
  damaged by emergency vehicles or  vehicles  being  pursued  by  a  law
  enforcement official

  THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section 1. Subsection (k) of section 3411  of  the  insurance  law  is
amended to read as follows:
  (k) (1) Each insurer which offers physical damage insurance subject to
the  provisions of this section shall offer such insurance with a stand-
ard deductible of two hundred dollars for each occurrence.  The  insured
shall, however, at the inception of the policy or at the annual anniver-
sary  date,  or at the time of the replacement or addition of an automo-
bile, have the option of purchasing a policy with a  lesser  deductible,
but  in no event may the insurer sell a policy with a deductible of less
than fifty dollars for fire, theft or comprehensive insurance  coverages
(one hundred dollars for assigned risk policies issued pursuant to para-
graph two of subsection (a) of section five thousand three hundred three
of  this chapter) and one hundred dollars for collision insurance cover-
age except that window glass coverage may be sold without a  deductible.
Each  insurer  which  offers  physical  damage  insurance subject to the
provisions of this section shall also offer  physical  damage  coverages
with  co-insurance  or  deductible provisions or combinations thereof as
the superintendent may prescribe, including but not limited  to  deduct-
ibles  of  two hundred fifty dollars, five hundred dollars and one thou-
sand dollars.
  (2) NO INSURER SHALL REQUIRE THE  INSURED  TO  PAY  A  DEDUCTIBLE  FOR
DAMAGES  OCCURRING, THROUGH NO FAULT OF THE INSURED, AS THE RESULT OF AN
ACCIDENT BETWEEN THE INSURED'S VEHICLE AND A MUNICIPAL OR STATE  VEHICLE
UTILIZED  TO  REMOVE SNOW ON BEHALF OF A MUNICIPALITY OF THE STATE.  THE

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD01144-01-1

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