Bill S4551-2013

Requires private passenger motor vehicle insurance premium reductions for automobiles equipped with hydrophobic glass treatment

Requires private passenger motor vehicle insurance premium reductions for automobiles equipped with hydrophobic glass treatment.

Details

Actions

  • Jan 8, 2014: REFERRED TO INSURANCE
  • Apr 10, 2013: REFERRED TO INSURANCE

Memo

BILL NUMBER:S4551

TITLE OF BILL: An act to amend the insurance law, in relation to providing for premium reductions for comprehensive motor vehicle insurance coverage with respect to private passenger vehicles equipped with hydrophobic glass treatment

PURPOSE: To provide a comprehensive motor vehicle insurance coverage discount for private passenger vehicles equipped with hydrophobic glass treatment.

SUMMARY OF PROVISIONS:

Section 1 of the bill adds a new subsection (i) to section 2336 of the insurance law to provide for premium reductions to comprehensive motor vehicle insurance coverage fox private passenger vehicles equipped with hydrophobic glass treatment. "Hydrophobic glass treatment" shall mean any transparent chemical coating that binds with, and changes the surface chemistry of, laminated or tempered glazing to minimize the level of contact between the glazing surface and water that comes into contact with that surface. Section 2 provides the effective date.

JUSTIFICATION:

Hydrophobic glass treatment generally involves the application of liquid polymers that bind with motor vehicle glazing. These transparent coatings act as water repellents, causing rain and other accumulated moisture to bead up, enabling the water to easily run off the vehicle's windshield and other windows. Hydrophobic glass treatments have been used for some time in aviation, and are widely available as car care products.

According to research conducted by the University of Michigan Transportation Research Institute ("The Influence of Hydrophobic Windshield Coating on Driver Visual Performance," Report No. UMTRI-97-31, July 1997), the application of hydrophobic glass treatment to the windshield of an automobile, under simulated rainy-driving conditions, resulted in significantly improved visual acuity and decreased driver response time to recognize a simple target. This research also demonstrated that hydrophobic glass treatment appears to provide the greatest benefit at night, where visual acuity through treated glass improved to approximately the level of acuity of untreated glass in the daytime.

Providing a comprehensive motor vehicle insurance coverage discount for private passenger vehicles equipped with hydrophobic glass treatment will encourage greater use of these products which will have a positive effect on improving safety on New York's roadways.

LEGISLATIVE HISTORY:

S.7536 of 2011

FISCAL IMPLICATIONS:

None.

EFFECTIVE DATE:

This act shall take effect on the first of January next succeeding the date on which it shall have become a law and shall apply to all policies issued, renewed, modified, altered or amended on or after such date.


Text

STATE OF NEW YORK ________________________________________________________________________ 4551 2013-2014 Regular Sessions IN SENATE April 10, 2013 ___________
Introduced by Sen. BOYLE -- read twice and ordered printed, and when printed to be committed to the Committee on Insurance AN ACT to amend the insurance law, in relation to providing for premium reductions for comprehensive motor vehicle insurance coverage with respect to private passenger vehicles equipped with hydrophobic glass treatment THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM- BLY, DO ENACT AS FOLLOWS: Section 1. Section 2336 of the insurance law is amended by adding a new subsection (i) to read as follows: (I) ANY SCHEDULE OR RATING PLAN FOR NON-COMMERCIAL PRIVATE PASSENGER AUTOMOBILE INSURANCE SHALL PROVIDE FOR AN APPROPRIATE REDUCTION IN PREMIUM CHARGES FOR COMPREHENSIVE COVERAGE WITH RESPECT TO ANY INSURED VEHICLE EQUIPPED WITH HYDROPHOBIC GLASS TREATMENT. THE TERM "HYDROPHOBIC GLASS TREATMENT" SHALL MEAN ANY TRANSPARENT CHEMICAL COATING THAT BINDS WITH, AND CHANGES THE SURFACE CHEMISTRY OF, LAMINATED OR TEMPERED GLAZ- ING TO MINIMIZE THE LEVEL OF CONTACT BETWEEN THE GLAZING SURFACE AND WATER THAT COMES INTO CONTACT WITH THAT SURFACE. S 2. This act shall take effect on the first of January next succeed- ing the date on which it shall have become a law and shall apply to all policies issued, renewed, modified, altered or amended on or after such date.

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