New York

New York Automobile Insurance Plan

New York Automobile Insurance Plan

The New York Automobile Insurance Plan (NYAIP) is the central mechanism established pursuant to Article 53 of the New York Insurance Law to provide auto liability and physical damages coverages to those insureds who are unable to obtain such auto insurance in the voluntary market. All insurers writing automobile insurance in New York State must participate in the NYAIP by providing such insurance.

All agents and brokers holding a valid license to transact automobile insurance business in New York State must be certified by the Governing Committee in accordance with Standards and procedures approved by the Superintendent of Insurance prior to submitting applications to the Plan.

Applicants must declare and certify that they have tried and failed to obtain automobile insurance in New York State within the preceding 60 days and have been unable to obtain such insurance at rates not exceeding those applicable under the plan.

Mailing Address

New York AIP
22 Cortlandt Street, Suite 2101
New York, NY 10007-3151

Office Hours

Monday - Friday 8:30 am - 4:15 pm ET


(212) 943-5100


(212) 742-2116


Coverage Confirmation/Inquiries

PASS/ID Card Help Desk

General Information

AIPSO's Office Schedule: Monday, May 27

All of AIPSO's offices - its home office, regional offices, and remote offices - will be closed on Monday, May 27 in observance of Memorial Day.

All AIPSO offices will open and resume regular business hours on Tuesday, May 28. 


Quick/Free Access to NYAIP Assignment Information

To use the NYAIP's automated Assignment Confirmation facility:

  1. Establish a username and password to log in
  2. Go to "For Registered Users" column on the left, and select "Assignment Confirmation"
  3. Select "New York" from the Automobile Insurance Plan drop down menu
 Producer Application Submission System (PASS)

PASS is an internet-based program that enables certified producers to electronically effect coverage and submit applications to the Plan.  To access PASS, go to


Take Out Credit Program

The following TOC documents are available to registered users after log in:

  1. The current NYAIP Quarterly Take Out Credit Program data. Go to "Circulars" (top center).
  2. The TOC FAQ and General Audit Guidelines. Go to "Plan Documents".
  3. The TOC Reporting Instructions. Go to "Plan Documents". 

Plan rules and the Department of Financial Services (DFS) directives remain the first authority.  These documents are intended only to provide the user with general help and guidance.