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Bill

A 6801

Requires insurers to send notices of renewal of certain policies to the insured no later than thirty days prior to the expiration of the policy

2025 Regular Session Introduced by Ken Blankenbush

Requires insurers to send renewal notices to insured at least 30 days before policy expiration, giving timely notice to review terms and shop options.

REFERRED TO INSURANCE
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Bill Summary · A 6801

Summary of Assembly Bill A 6801

Overview

  • Bill number: A 6801
  • Title: Requires insurers to send notices of renewal of certain policies to the insured no later than thirty days prior to the expiration of the policy
  • Sponsor (primary): Kenneth Blankenbush
  • Status: REFERRED TO INSURANCE (New York Assembly)
  • Introduced: March 14, 2025
  • Related bills (prior sessions): A 8898, A 4665

This bill would mandate a specific timing requirement for renewal notices sent by insurers to insured individuals for certain policy types. The stated aim is to ensure insureds receive renewal information with adequate advance notice before their current policy term ends.

What the bill would do (Key provisions)

  • Require insurers to send renewal notices to the insured no later than 30 days before the policy expiration.
  • The bill specifies the timing emphasis (a fixed 30-day window) to improve advance notice for renewal terms, rates, and coverage changes.
  • The exact scope (“certain policies”) and required content of the renewal notices would be defined in the bill's text (not fully detailed in the summary provided).

Who would be affected

  • Insured individuals covered under the policies identified by the bill (the specific policy types to which this applies would be detailed in the enacted text).
  • Insurers selling or renewing these policies, who would need to adjust notice procedures and communications systems to meet the 30-day deadline.
  • Potential oversight or enforcement by the state insurance regulator (implied by the bill’s referral to the Insurance Committee).

Procedural and timeline aspects

  • Introduced: March 14, 2025
  • Current stage: Referred to the Assembly Committee on Insurance (status indicates it is pending committee action). The duplicate “REFERRED TO INSURANCE” action on the same date appears in the provided record.
  • Next steps: If reported out of committee, the bill would proceed to consideration on the Assembly floor and, if passed, move to the Senate for consideration (as with typical New York legislative processes). Any fiscal or regulatory impact would be assessed during committee review.

Related context

  • Related bills from prior sessions (A 8898 and A 4665) suggest ongoing interest in renewal notice timing and consumer protections in the insurance renewal process.

Potential impact and considerations

  • Consumer impact: More predictable and timely renewal information, allowing insureds to review terms, compare options, and act ahead of policy expiration.
  • Industry impact: Insurers may incur costs to update notification workflows, policy administration systems, and possibly customer communications practices to comply with the 30-day requirement.
  • Regulatory considerations: The bill would delineate enforcement expectations and any penalties in its full text; the provided summary does not specify penalties or exemptions.

This summary provides the core purpose, provisions, and potential effects based on the available bill information. For a complete understanding, the full bill text and any fiscal notes or regulatory impact statements would be needed.

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

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