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Bill

Bill

S 5486

Relates to the use of telematics systems by automobile insurers

2025 Regular Session Introduced by Leroy Comrie

Regulates how auto insurers use telematics data, requiring consent, defining data scope and privacy protections, and guiding how driving data affects pricing.

REFERRED TO INSURANCE
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WeVote Research Nonpartisan
Bill Summary · S 5486

Summary of S 5486 — Relates to the use of telematics systems by automobile insurers

Overview

  • Bill Number: S 5486
  • Title: Relates to the use of telematics systems by automobile insurers
  • Status: REFERRED TO INSURANCE
  • Introduced: February 21, 2025
  • Sponsor: Leroy Comrie (primary)
  • Related Bills: S 553 (prior-session)

What the bill is about (based on the title and status)

S 5486 appears to regulate how automobile insurers may use telematics systems—devices that collect data on driving behavior (e.g., mileage, speed, braking, hard acceleration). The designation “Relates to the use of telematics systems by automobile insurers” suggests a focus on consumer protections, data practices, or rules governing pricing and underwriting tied to telematics data. The bill has been referred to the Insurance committee, indicating it will be examined for policy and regulatory implications in the insurance arena.

Potential provisions (not yet published in the provided text)

The actual bill text is not provided here. Based on common features in telematics-related legislation, possible areas the bill might address include:
- Informed consent: requirements for motorists to opt-in to telematics data collection and clear disclosure of data use.
- Data scope and minimization: what driving data may be collected and for what purposes.
- Privacy and security: data security standards and protections against unauthorized access or disclosure.
- Data access and transparency: obligations for insurers to disclose collected data and allow insureds to access their data.
- Usage and pricing: rules governing how telematics data may influence premiums, discounts, or underwriting decisions, including nondiscrimination safeguards.
- Data retention and deletion: timeframes for retaining data and procedures for deletion.
- Third-party access: limitations on sharing data with affiliates, partners, or third parties.
- Consumer remedies: enforcement provisions and penalties for non-compliance.
- Implementation timeline: effective dates and any transition periods.

Who would be affected

  • Automobile insurers: as the primary regulators and users of telematics data.
  • Policyholders and insured drivers: whose driving data may be collected, stored, and used.
  • Telematics service providers and device vendors: entities that collect and transmit driving data.
  • Insurance brokers/agents: who may interface with customers on telematics-based products.

Legislative path and timing

  • The bill was introduced and immediately referred to the Insurance committee on February 21, 2025.
  • No additional actions are listed in the provided material. If advanced, it would move through committee hearings, potential amendments, and floor votes before potential enactment.
  • The related prior-session bill S 553 may provide context or background on earlier telematics-related proposals.

Next steps for readers

  • Review the full text of S 5486 to understand precise provisions, definitions, and requirements.
  • Monitor Insurance committee hearings for amendments or fiscal notes.
  • Compare with S 553 to assess changes from prior sessions and legislative intent.

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

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