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Bill

S 4937

Requires liability insurance coverage for special automobile insurance policies.

2024-2025 Regular Session

S 4937 would require liability coverage in all special automobile insurance policies, extending standard auto protection to these policies and safeguarding policyholders.

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WeVote Research Nonpartisan
Bill Summary · S 4937

Summary of Bill S 4937: Requires liability insurance coverage for special automobile insurance policies

Overview

  • Bill number: S 4937
  • Title: Requires liability insurance coverage for special automobile insurance policies
  • Sponsor: Leroy Comrie (primary)
  • Introduced: February 14, 2025
  • Subject: Insurance, Motor Vehicle
  • Status: As of the provided information, the bill was introduced and referred to committee (Transportation) on February 14, 2025. A second identical referral is listed, indicating it was routed to Transportation again.

Purpose and intent

  • The bill seeks to ensure that liability insurance coverage is included within “special automobile insurance policies.” In effect, it would mandate that these non-standard or specialized auto policies provide liability protection, aligning them with standard auto liability coverage expectations.

Key provisions (what the bill would do)

  • Require liability coverage: All special automobile insurance policies would be required to include liability insurance coverage.
  • Regulatory alignment: By mandating liability coverage, the bill aims to bring special policies under the umbrella of obligate auto liability protections, subject to the state’s regulatory framework for motor vehicle insurance.
  • Details to be defined in the text: Specific definitions (e.g., what constitutes a “special automobile insurance policy”), coverage requirements, thresholds or limits, exemptions, and enforcement mechanisms would be established in the bill’s language.

Note: The exact definitions, coverage limits, exclusions, enforcement provisions, and related regulatory requirements would be specified in the bill’s full text.

Who would be affected

  • Insurance carriers offering or selling special automobile insurance policies would be required to include liability coverage in those policies.
  • Policyholders and potential purchasers of special auto policies would gain liability protection under these policies.
  • Regulators overseeing motor vehicle and insurance law would administer and enforce the new requirement.

Procedural/status details

  • First action: Referred to Transportation in the Senate on February 14, 2025.
  • Additional actions: A duplicate listing shows a second referral to Transportation on the same date, suggesting clerical duplication rather than a distinct action.
  • Next steps: If the bill advances, it would proceed to committee hearings, possible amendments, and votes in the Senate, followed by potential consideration by the Assembly or conference steps if there is companion legislation.

Related bills

  • S 9188 (prior-session)
  • S 7090 (prior-session)
  • A 1906 (companion) — listed twice
  • A 6143 (companion)

Notes for readers

  • The bill’s substantive text (definitions, minimum liability limits, exemptions, and enforcement provisions) is not provided here. For a complete understanding, the bill’s full language and any committee amendments should be consulted once released.

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

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