Relates to motor vehicle insurance fairness; repealer

Summary

The bill replaces Section 2331 of the Insurance Law to forbid insurers from refusing coverage or setting premiums based on protected characteristics such as race, age, credit score, zip code and other listed factors. It obligates insurers to file complete rate applications that are posted publicly online, and sets notice, hearing and superintendent approval procedures. The aim is to stop discriminatory pricing and make auto insurance rates more transparent for New York drivers.

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