State Senate President Nicholas P. Scutari, D-22, has introduced S-3187 in the 2026-27 legislative session—a bill that would finally put an end to step-down clauses in personal auto policies in New Jersey. For those of us who...
N.H.: What introduced vehicle registration bill means for drivers, agents and insurers
New Hampshire has long taken a different approach to automobile insurance than most other states. While nearly every state requires drivers to carry auto insurance, New Hampshire instead relies on a financial responsibility system that typically...
Understand the disconnect: Distracted driving through the lens of auto insurance claims
Nearly every driver agrees that impaired driving is dangerous, but awareness alone isn’t enough to stop it. Recently, the AAA Foundation for Traffic Safety reported on this disconnect, finding that while people support stronger safeguards, risky behavior on the roads...
Is it covered? Common items that need more coverage
We assume all our possessions will be covered if we lose them or if they are damaged, but do you know how your insurance policy will truly respond—or even which one will respond when it is needed? Sometimes you need additional coverage. Snowmobiles. Typically, a...
N.Y.: Have you met TED (again)?
As New York state’s budget season gets underway, the familiar alphabet soup of Albany returns—none more important to insurance professionals than the Transportation, Economic Development and Environmental Conservation budget, better known...
N.Y.: Proposed e-scooter insurance bill has vital implications for independent agents
Legislation (A.9568) introduced by Assemblymember Sam Berger, D-27, would amend New York state’s Vehicle and Traffic Law to require electric scooter service platforms to maintain liability insurance coverage for scooters offered to the public through app-based digital...
N.J.: New e-bike law closes insurance gaps: A win for public safety and common sense
New Jersey has taken a major step forward to regulate the growing use of electric bicycles with the passage and signing of S-4834—a measure strongly supported by PIANJ. As e-bikes have rapidly evolved from recreational novelties into legitimate transportation...
N.Y. bill targets auto insurance affordability, limits noneconomic damages
On the heels of Gov. Kathy Hochul’s State of the State address, where auto insurance reform took center stage, the state Legislature took steps to address the issue this week with the introduction of S.8905. This legislation, sponsored by Sen. Monica Martinez, D-4,...
N.Y.: State of the State address: Insurance takes center stage
Property/casualty insurance rarely gets the spotlight in a governor’s State of the State address. Most years, it’s a footnote—if mentioned at all. However, this year is different. Gov. Kathy Hochul put home and auto insurance front and...
PIANJ’s top legislative priority—step-down provisions—introduced in Legislature
PIANJ has long advocated for banning the use of step-down clauses in personal auto policies—an unfair, hidden trap that blindsides consumers when they need coverage most. After years of steady advocacy, that work is paying off. Twin...