A 6010 New York Assembly · 2025 Regular Session

Relates to unfair claim settlement practices

Summary

Relates to claim settlement practices when an insurer refuses to pay or is delaying payment of a settlement; provides a policyholder a private right of action against such insurer doing business in the state who has refused or delayed payment of an insurance claim.

Bill status in committee 1 of 4 stages cleared

Introduction

Feb 2025

Committee Review

Floor Vote

Governor

Introduced Feb 25, 2025 Last action Jan 7, 2026

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What changed between versions

A6010 → A6010A · 5 edits

MODERATE

This bill amends New York's unfair claim settlement practices law to strengthen protections for policyholders and injured persons against insurance companies. The changes expand the list of prohibited unfair practices, add new enforcement mechanisms including mandatory demand letters before lawsuits, and establish penalties for willful violations. The bill also adds a new provision preventing insurers from refusing to renew policies based on a policyholder's prior lawsuit under this law.

Scope change

The bill expands the scope of prohibited unfair claim settlement practices from 13 items to 14 items, adds new enforcement procedures including a 30-day demand letter requirement before litigation, and introduces a new anti-retaliation provision protecting policyholders who sue insurers.

REQUIREMENT

Added new unfair claim settlement practices including misrepresenting facts, failing to acknowledge communications promptly, refusing to pay without reasonable investigation, and delaying claims by requiring duplicate information submissions.

ENFORCEMENT

Added new enforcement mechanisms requiring claimants to send a written demand letter 30 days before filing suit, and established that willful violations can result in double damages plus attorneys' fees.

ELIGIBILITY

Added a new provision preventing insurers from refusing to issue or renew policies solely because a policyholder has previously sued the insurer under this law.

DEFINITION

Changed the section title from including 'civil remedy' to just 'Unfair claim settlement practices' and added a new subsection defining enforcement procedures.

TIMELINE

Added effective date provision stating the law takes effect 90 days after becoming law, with certain provisions applying only to contracts entered into after that date.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Jan 7, 2026

Committee

REFERRED TO INSURANCE

lower

May 15, 2025

Lower · Passed

PRINT NUMBER 6010A

lower

May 15, 2025

Lower · Passed

AMEND AND RECOMMIT TO INSURANCE

lower

Feb 25, 2025

Committee

REFERRED TO INSURANCE

lower

1 primary · 13 co-sponsors