N.Y. Insurance Law § 2327: Verification of driving history

§ 2327. Verification of driving history. No insurer who utilizes an

applicant's New York state driving history as a rating or underwriting

factor for private passenger motor vehicle insurance in this state shall

bind a policy of insurance, or process a percentage of the annual

premium due for a policy, without first making a good faith effort to

verify said applicant's New York state driving history, as well as the

New York state driving history of all named drivers that are used to

rate the policy and are listed by the applicant on the private passenger

motor vehicle insurance application, through the use of a third-party

database. An insurer also shall verify, through a third-party database,

the New York state driving history of a named driver used to rate the

policy when added during the policy period, unless the New York state

driving history is unavailable at the time of the initial inquiry due to

a temporary website outage, service interruption or other circumstances

beyond the control of the insurer, producer or third-party

representative.