N.Y. Ins. Law § 2327

* § 2327. Verification of driving history. No insurer who utilizes an\napplicant's driving history as a rating or underwriting factor for\nprivate passenger motor vehicle insurance in this state shall bind a\npolicy of insurance, or accept a percentage of the annual premium due\nfor a policy, without first making a good faith effort to verify said\napplicant's driving history, as well as the driving history of all named\ndrivers that are used to rate the policy and are listed by the applicant\non the private passenger motor vehicle insurance application, through\nthe use of a third-party database. An insurer also shall verify, through\na third-party database, the driving history of a named driver used to\nrate the policy when added during the policy period and shall verify the\ndriving history of all drivers used to rate the policy at policy\nrenewal, unless the driving history is unavailable at the time of the\ninitial inquiry due to a temporary website outage, service interruption\nor other circumstances beyond the control of the insurer, producer or\nthird-party representative.\n * NB Effective June 19, 2024\n