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Bill

A 3106

Relates to the creation of a study of the minimum coverage amounts for non-commercial auto insurance

2025 Regular Session Introduced by Alicia Hyndman

A 3106 directs a study of minimum liability limits for non-commercial auto insurance to assess adequacy and guide future policy decisions.

REFERRED TO INSURANCE
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Bill Summary · A 3106

Summary of Bill A 3106 (Relates to the creation of a study of the minimum coverage amounts for non-commercial auto insurance)

Overview

  • Bill Number: A 3106
  • Title: Relates to the creation of a study of the minimum coverage amounts for non-commercial auto insurance
  • Status: REFERRED TO INSURANCE
  • Introduced: January 23, 2025
  • Primary Sponsor: Alicia Hyndman
  • Companion/Related: S 5235 (companion); related A-number bills from prior sessions include A 2578, A 10115, A 3787, A 8130, A 2618, and A 2577

Purpose and Intent

  • The bill directs the creation of a study to examine the minimum coverage amounts required for non-commercial (private passenger) auto insurance.
  • The objective is to evaluate whether current minimum liability limits are adequate to protect drivers and affected parties, and to inform future policy decisions regarding auto insurance requirements.

Key Provisions (High-Level)

  • Establishment of a study on minimum auto insurance coverage for non-commercial vehicles.
  • Scope likely includes assessment of current minimum liability limits, adequacy for driving risk, consumer affordability, and potential measures to enhance protection for insured parties, though specific provisions are not detailed in the summary provided.
  • The bill designates responsibility for conducting the study and delivering findings (text not provided here; typically this would involve a state department or an assigned legislative or regulatory body).

Affected Parties

  • Private (non-commercial) auto insurance policyholders and potential purchasers.
  • Insurance carriers writing private passenger auto policies.
  • State regulators and agencies overseeing auto insurance requirements and consumer protections.

Procedural and Timeline Aspects

  • The bill has been referred to the Insurance committee in the New York Legislature (two identical referrals noted on the same date, January 23, 2025).
  • As introduced, the bill does not specify a deadline for completing the study or issuing recommendations, and no funding or implementation timeline is described in the available information.
  • Status indicates it is at committee referral stage; no enactment or floor action information is provided.

Related Legislation

  • Companion: S 5235 (companion bill in the Senate)
  • Additional related Assembly measures from prior sessions include A 2578, A 10115, A 3787, A 8130, A 2618, and A 2577, indicating ongoing interest in auto insurance minimums.

Potential Impact and Next Steps

  • If enacted, the bill would initiate a formal study to inform potential future changes to minimum auto insurance requirements for non-commercial vehicles.
  • Outcomes could influence proposed reforms, regulatory standards, or consumer protections depending on study findings.
  • Stakeholders (drivers, insurers, and regulators) may be engaged during the study to gather data and perspectives.

Note: This summary reflects the information available from the provided bill description. Full text would clarify the study’s scope, conducting authority, methodology, reporting requirements, and any timelines or funding.

Compiled from official sources — confirm details with the bill’s official record.

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