A 7185: Prohibits cancellation, non-renewal or conditioning renewal of automobile insurance of a policyholder solely as a result of a dispute or a complaint pending against the insurer.
What A 7185 does, verified January 8, 2026
The proposed law aims to protect policyholders from certain actions by their insurance companies. An insurer cannot cancel or refuse to renew an auto-mobile insurance policy solely based on a disputed claim or a pending complaint with the department. This protection applies to private passenger automobile policies, and the insurer cannot condition the renewal of the policy on changing limits or eliminating coverages. The law will take effect immediately.
Bill journey
1IntroducedCurrent
2In CommitteePending
3First Chamber FloorPending
4Second ChamberPending
5GovernorPending
6ChapteredPending
Last action: referred to insurance (2026-01-07)Alert me
Quick answers about A 7185
- What is the current status of A 7185?
- As of January 8, 2026, A 7185 is recorded as "Introduced": it has been introduced and is waiting for its first committee hearing or floor vote. The last recorded action, on January 7, 2026, was "referred to insurance".
- Did A 7185 pass?
- Not yet. A 7185 has been introduced and has not passed either house.
- Who wrote A 7185, and where is it now?
- A 7185 was authored by Asm. Monique Chandler-Waterman. Its committee of record is Assembly Insurance. It is filed under ISC, alongside 202 other New York ISC bills this session.
Author and sponsors
Full contact details, staff, and committees with Connect, $16/moUnlockRecent actions2 total · showing 2
| Jan. 07, 2026 | referred to insurance |
| Mar. 21, 2025 | referred to insurance |
Latest bill textIntroduced version, March 21, 2025 · 210 words
STATE OF NEW YORK ________________________________________________________________________ 7185 2025-2026 Regular Sessions IN ASSEMBLY March 21, 2025 ___________ Introduced by M. of A. CHANDLER-WATERMAN -- read once and referred to the Committee on Insurance AN ACT to amend the insurance law, in relation to prohibiting an insurer from cancelling or refusing to renew or condition its renewal of auto- mobile insurance policies in certain cases The People of the State of New York, represented in Senate and Assem- bly, do enact as follows: 1 Section 1. Section 3425 of the insurance law is amended by adding a 2 new subsection (t) to read as follows: 3 (t) No insurer shall cancel or refuse to renew a policy covering a 4 private passenger automobile, or to condition its renewal upon change of 5 limits or elimination of any coverages solely on the basis that a claim 6 filed by the insured with the insurer is in dispute, or that a complaint 7 by the insured against the insurer resulting from the disputed claim is 8 pending with the department. 9 § 2. This act shall take effect immediately. EXPLANATION--Matter in italics (underscored) is new; matter in brackets [] is old law to be omitted. LBD05338-01-5
Text of A 7185 as introduced, from the official record. Connect Plus keeps every version and highlights what changed.Compare versions