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Governor Hochul Proposes Car Insurance Reforms Amid Premium Crisis

1/16/2026

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Summary

Story summary

New York Governor Kathy Hochul plans car insurance reform to curb high premiums, about $4,000 annually.
She would change the 'serious injury' threshold to curb minor lawsuits and fraud.
Her proposals cap non-economic damages for drivers engaged in criminal behavior and target staged accidents.
The New York State Trial Lawyers Association opposes the changes, while the Lawsuit Reform Alliance supports them.

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Story summary

New York Governor Kathy Hochul plans car insurance reform to curb high premiums, about $4,000 annually.
She would change the 'serious injury' threshold to curb minor lawsuits and fraud.
Her proposals cap non-economic damages for drivers engaged in criminal behavior and target staged accidents.
The New York State Trial Lawyers Association opposes the changes, while the Lawsuit Reform Alliance supports them.