In a major step toward modernizing New York state’s motor vehicle insurance system and alleviating longstanding consumer frustrations, the New York state Senate has passed S.5331-A—a bill that would establish a real-time online insurance verification system at the...
The New Hampshire Insurance Department has released three bulletins to address key regulatory topics that affect insurers and insurance producers in the state. These updates cover the use of artificial intelligence, how to handle virtual vehicle claims and licensee...
Imagine paying for robust auto insurance coverage—only to learn too late that your policy quietly includes a loophole that guts your protection in certain common scenarios. That’s the harsh reality for too many New Jersey drivers, thanks to so-called step-down...
Legislation introduced in the New York Assembly on April 8, 2025, would formally authorize and regulate the use of telematics and usage-based insurance in New York state’s private passenger and commercial auto insurance markets. This legislation could signal a move...
As part of the 2025-26 New York legislative session, S.5235 was introduced in the state Senate. If passed, the bill would mandate a comprehensive study to evaluate the adequacy of current minimum coverage amounts for noncommercial auto insurance. While this is not the...
Food delivery services like Uber Eats and Door Dash have made a business of providing consumers with an easy way to get food from their favorite restaurants right to their home. No longer does a restaurant have to provide delivery services—these services will provide...
Recently, there has been confusion surrounding supplemental spousal liability coverage in auto policies in New York state. It has gone from an opt-in option, to automatic coverage, and back again to an opt-in option—unless a spouse is indicated on the application....
When the commercial insurance market tightens, agents and brokers often become the frontline to answer client questions about nonrenewals, midterm cancellations and rate hikes. Fortunately, New York Insurance Law Section 3426 offers a detailed playbook on how...
In New York state, personal-lines insurance policies come with a tightly regulated framework under Insurance Law Section 3425, setting specific rules for when and how policies can be canceled or nonrenewed. As an agent or broker, understanding these nuances isn’t just...
A recent report from a Long Island news outlet highlighted an all-too-familiar pain point for consumers and insurance professionals alike: the surge in auto insurance premiums. While inflation, vehicle costs and repair expenses are contributing factors, one...