Section 3435-A. Motor vehicle insurance policies; New York state licensed drivers; prohibitions against refusing to issue policies or renew policies

(a)  Insurers  shall be prohibited from refusing to issue a  motor vehicle liability insurance policy to any person with a valid  New
  York state driver's license which has been maintained by such person for
  at  least  thirty-nine  months prior to the time of application for such
  policy of insurance solely on the basis that such person has  not  owned
  or leased a vehicle during such period, unless such decision is based on
  sound underwriting and actuarial principles reasonably related to actual
  or  anticipated  loss  experience.  Provided, however, that an applicant
  demonstrating  a  continuous,  valid  out-of-state   or   out-of-country
  driver's  license  during  such  thirty-nine  month period due to active
  service in the United States army, navy, air force, or marines shall  be
  treated  as  if continuous licensing had been maintained in New York and
  such person shall not be rejected based solely on the fact  that  he  or
  she served in the military.
    (b)  Insurers  shall  be prohibited from refusing to renew an existing
  motor vehicle liability insurance policy solely upon the  basis  of  the
  named  insured having reached sixty years of age and shall be prohibited
  for the purpose of policy renewal from requesting a physical examination
  or medical questionnaire solely on the basis of the named insured having
  reached sixty years of age  unless  such  decision  is  based  on  sound
  underwriting  and  actuarial  principles reasonably related to actual or
  anticipated loss experience.
    (c) Insurers shall be prohibited from refusing to  renew  an  existing
  motor  vehicle  liability  insurance policy solely upon the basis of the
  age of the motor vehicle to be insured unless such decision is based  on
  sound underwriting and actuarial principles reasonably related to actual
  or anticipated loss experience.