Insurance Law 3435-A — Legislation

Legislation Search OpenLegislation Statutes Search Term Search icon Search previous SECTION 3435 Group property/casualty insurance up ARTICLE 34 Insurance Contracts-property/casualty next SECTION 3436 Medical malpractice insurance; type of coverage Viewing most recent revision (from 2025-12-12) View historical revision as of: -- Choose a Date -- 2025-12-12 2014-09-22 Share Facebook Email SECTION 3435-A Motor vehicle insurance policies; New York state licensed drivers; prohibitions against refusing to issue policies or renew policies Insurance (ISC) CHAPTER 28, ARTICLE 34 § 3435-a. Motor vehicle insurance policies; New York state licensed drivers; prohibitions against refusing to issue policies or renew policies. (a) Insurers shall be prohibited from refusing to issue a motor vehicle liability insurance policy to any person with a valid New York state driver's license which has been maintained by such person for at least thirty-nine months prior to the time of application for such policy of insurance solely on the basis that such person has not owned or leased a vehicle during such period, unless such decision is based on sound underwriting and actuarial principles reasonably related to actual or anticipated loss experience. Provided, however, that an applicant demonstrating a continuous, valid out-of-state or out-of-country driver's license during such thirty-nine month period due to active service in the United States army, navy, air force, space force or marines shall be treated as if continuous licensing had been maintained in New York and such person shall not be rejected based solely on the fact that such person served in the military. (b) Insurers shall be prohibited from refusing to renew an existing motor vehicle liability insurance policy solely upon the basis of the named insured having reached sixty years of age and shall be prohibited for the purpose of policy renewal from requesting a physical examination or medical questionnaire solely on the basis of the named insured having reached sixty years of age unless such decision is based on sound underwriting and actuarial principles reasonably related to actual or anticipated loss experience. (c) Insurers shall be prohibited from refusing to renew an existing motor vehicle liability insurance policy solely upon the basis of the age of the motor vehicle to be insured unless such decision is based on sound underwriting and actuarial principles reasonably related to actual or anticipated loss experience.