Hochul's insurance proposal: a disaster for crash victims - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Newswires RSS Get our newsletter
Order Prints
April 6, 2026 Newswires
Share
Share
Post
Email

Hochul's insurance proposal: a disaster for crash victims

ohtMassapequa Post

Nassau and Suffolk counties continue to rank highest in New York state in traffic-related injuries and fatalities. As drivers, cyclists or pedestrians, even when we do everything right, we're still one bad driver's actions away from the E.R.

Now Albany wants to make it worse.

Gov. Kathy Hochul's latest budget proposal would quietly strip away basic legal protections for people injured by cars and dump the costs of traffic violence onto victims, their families and taxpayers. Bad drivers and their insurance companies would get a pass. Redefining "serious injury" is wrong.

New York's no-fault insurance system is designed so that anyone involved in an accident gets medical care and compensation for lost wages, up to a maximum of $50,000. That goes fast with hospital stays, physical therapy and months off work.

To seek damages beyond the $50,000 in no-fault coverage, a victim must meet the legal definition of a "serious injury."

For decades, one category of a "serious injury" has been an injury that keeps you from living your normal life for the first 90 days after a crash.

The governor's proposal would wipe that away.

Anyone who has ever been in a serious crash knows how absurd that is. These injuries might not be permanent, but are still serious and, indeed, take a lasting toll. They can keep you from caring for your family and out of work. Three months out of work isn't just inconvenient — it can be devastating to you and your family. Hochul's proposal would eliminate the right to sue the negligent driver who caused this category of injury and harm to you and your family.

Letting big companies off the hook.

Most serious crashes aren't simple. They often involve multiple negligent actors: a speeding vehicle, a poorly designed roadway, a multi-vehicle crash caused by more than one driver. Multiple bad decisions lead to an injured victim. The term describing this is "joint and several liability."

The longstanding legal concept of joint and several liability exists so that innocent victims aren't left uncompensated when more than one party is responsible. It ensures that the risk falls on all the people who caused the harm when a jury decides that more than one party contributed to the crash. The budget proposal would gut that protection.

Crash victims would be left without full compensation. Insurance companies would avoid fiscal responsibility, and the financial burden would shift back to the injured victims.

"Modified contributory negligence" is open season on victims.

New York, like most states, has long used a comparative negligence standard. This system evaluates each party's actual level of responsibility in causing a crash. A jury, at trial, decides fault and addresses any comparative negligence of the claimant by apportioning any share of their own responsibility and then awards a dollar amount that corresponds to fault.

Hochul's proposal would throw that out. Under the new rule, if you were found just 51 percent at fault, you would get nothing. A driver could be 49 percent responsible for a crash and the insurance company would pay nothing. It would reward dangerous driving and leave victims without recourse.

It won't make streets safer or insurance cheaper.

None of this will prevent crashes. None of it will protect victims, and it won't guarantee lower insurance premiums, the guise of these changes. The states that have implemented similar measures did not see rates drop. Don't be fooled — the ones behind this change are the insurance companies, and Big Tech, such as Uber, which have dumped millions into the governor's campaign as she goes about the state, reciting their talking points.

A recent report by the Center for Policy and Justice showed that insurance company profits have ballooned. S&P Market Intelligence reported in November 2025 that "the U.S. property/casualty insurance industry had its best quarter in at least a quarter of a century — and maybe longer." Insurance companies continue to profit at the expense of you, the ratepayer.

What this proposal will do is make New York's streets more dangerous by removing accountability, discouraging safety, and forcing injured victims to rely on public assistance instead of the insurance system that is supposed to cover their claims.

Daniel Flanzig is president of the board of directors of the New York Bicycling Coalition and a partner in the law firm Flanzig and Flanzig LLP.

The post Hochul's insurance proposal: a disaster for crash victims first appeared on Massapequa Post.

Older

Vehicle insurance rates: Lawmaker and Uber take on the trial lawyers Gov. Kathy Hochul wants to tackle the rising cost of coverage in the state budget.

Newer

Navigator cuts leave Americans with less help to find Obamacare plans

Advisor News

  • Amid slew of corporate tax ideas, Newsom chose one likely to hit people’s premiums
  • The biggest risk to your clients’ financial plans isn’t market volatility
  • Initiative looks at how caregiving impacts workplace benefits
  • Will rising retirement needs spark an annuity boom?
  • Living longer, retiring poorer: Why fragmented systems are failing Americans
More Advisor News

Annuity News

  • Globe Life Inc. (NYSE: GL) Records 52-Week High Thursday Morning
  • Fortitude Re Completes $500 Million FABN Issuance
  • Reframing retirement income for greater certainty
  • Jackson Introduces Dow Jones Industrial Average Index Option, Flexible Premiums, Six-Year Rate Guarantee in Latest Registered Index-Linked Annuity Launch
  • Senior Market Sales® Fortifies Annuity Reach With Acquisition of Retirement Planning Firm Stratton & Company
More Annuity News

Health/Employee Benefits News

  • Heights School Board Presses Trenton On Soaring Costs
  • Brain In-Com brings week of TBI advocacy
  • Investigators at Chongqing Medical University Zero in on Science (The impact of China’s employee basic medical insurance outpatient pooling scheme on outpatient healthcare utilization among middle-aged adults): Science
  • New Findings on Managed Care Discussed by Researchers at UMass Chan Medical School (Medically tailored meals receipt and healthcare utilization and costs in Massachusetts’ Medicaid demonstration): Managed Care
  • Health Care Notes: Clover star rating raised after court-ordered recalculation
More Health/Employee Benefits News

Life Insurance News

  • AM Best Affirms Issue Credit Ratings of Weston2038 LLC’s Credit-Linked Notes
  • Globe Life Inc. (NYSE: GL) Records 52-Week High Thursday Morning
  • Greg Lindberg moves to halt $1.65B restitution order, claims he ‘overpaid’
  • Fidelity Investments® to Expand Target Date Lineup With Launch of Guaranteed Income Solution
  • KBRA Releases Research – Private Credit: Much Ado About Nothing – Perspectives on Columbia Business School Paper About Private Ratings
More Life Insurance News

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Maximize Your FIA Case Results
Learn a repeatable process to review, reposition, and present FIA opportunities with confidence.

Aim higher during Annuity Awareness Month
Raise the bar with our diverse portfolio of Ascend annuities, backed by superior financial strength

You Could Be Losing Up to 20% of Your Commissions
GreenWave helps you find, fix, and prevent commission errors.

True Independence Means Having Choices
Cambridge offers flexibility, stability, proven tools—no private equity strings attached.

Life moves fast. Your BGA should, too.
Stay ahead with Modern Life's AI-powered tech and expert support.

Looking for stronger rates, amplified growth & real results?
Sentinel's Accumulation Protector Plus℠ Annuity is for clients wanting more from retirement planning

Press Releases

  • Senior Market Sales® Fortifies Annuity Reach With Acquisition of Retirement Planning Firm Stratton & Company
  • RFP #T01625
  • Rockwood Programs Appoints Kerry Ladouceur as Vice President, Financial Lines
  • JP Insurance Group Launches Commercial Property & Casualty Division; Appoints Joe Webster as Managing Director
  • Sequent Planning Recognized on USA TODAY’s Best Financial Advisory Firms 2026 List
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet