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New York Insurance Laws and Regulations

The New York Department of Financial Services develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Department of Financial Services. 

Important Laws

A summary of the driving safety laws for the state of New York can be found using this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of New York.

The New York Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

State law in NY allows for homeowners insurance companies to invoke hurricane deductibles. This type of deductible means you will pay a percentage of your homes value before the insurance companies starts paying for losses. This different type of deductible goes into effect when a hurricane warning is issued by the National Hurricane Center or the National Weather Service. The percentage amount of the deductible and the wind speed that triggers the deducible varies by insurance company. This link to the New York Department of Financial Services lists the approved deductible amounts and the triggers, by insurance company.

New York has minimum auto insurance amounts that are required by law. The table below shows the NY minimum car insurance limits.

Resources Available to Consumers

Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

he Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.