New Yorkers are paying far too much for car insurance, more than $4,000 a year on average, nearly $1,500 above the national average. Fraud, staged crashes, abusive litigation, and weak enforcement are driving up costs for every hardworking driver in the state.
Governor Kathy Hochul’s 2026 State of the State proposals take direct aim at the bad actors who inflate premiums and drain family budgets. Now is the time to act.
Lawmakers must advance these common-sense reforms to:
- Crack down on organized fraud rings, not just drivers, but lawyers, doctors, and lawsuit funders who orchestrate them
- Hold medical providers accountable for phony diagnoses and inflated bills
- Prevent criminals and reckless drivers from cashing in on accidents they caused
- Modernize the “serious injury” standard with objective, fair medical criteria
- Give insurers the tools and time they need to investigate and stop fraud before it’s paid
Fraud and abuse add hundreds of dollars a year to every driver’s insurance bill. These reforms will help lower premiums, restore fairness, and put money back in New Yorkers’ pockets. Support Governor Hochul’s auto insurance fraud reforms and stand up for affordability, accountability, and honest drivers across New York.