New York § 3103 - 3103Non-conforming contracts
Full text of New York New York Consolidated Laws § 3103 — 3103Non-conforming contracts, with citation guidance and answers to common questions.
§ 3103. 3103Non-conforming contracts
§ 3103. Non-conforming contracts. (a) Except as otherwise specifically provided in this chapter, any policy of insurance or contract of annuity delivered or issued for delivery in this state in violation of any of the provisions of this chapter shall be valid and binding upon the insurer issuing the same, but in all respects in which its provisions are in violation of the requirements or prohibitions of this chapter it shall be enforceable as if it conformed with such requirements or prohibitions. (b) No policy of insurance or contract of annuity delivered or issued for delivery in this state shall provide that the rights or obligations of the insured or of any person rightfully claiming thereunder, with respect to: (1) a policy of life, accident and health insurance or contract of annuity upon a person resident in this state, (2) a policy of insurance upon property then in this state, or (3) the liabilities to be incurred by the insured as a result of activity then carried on by the insured in this state, shall be governed by the laws of any jurisdiction other than this state. This subsection shall not apply to policies of marine insurance. (c) In any action to recover under the provisions of any policy of insurance or contract of annuity delivered or issued for delivery in this state which the superintendent is authorized by this chapter to approve if in his opinion its provisions are more favorable to policyholders, the court shall enforce such policy or contract as if its provisions were the same as those specified in this chapter unless the court finds that its actual provisions were more favorable to policyholders at the date when the policy or contract was issued.
Frequently Asked Questions About New York § 3103
What does New York Consolidated Laws § 3103 cover?
Section 3103 ("3103Non-conforming contracts") is part of the New York Consolidated Laws, the codified statutory law of New York. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite New York § 3103?
A common citation format is "New York Consolidated Laws § 3103" (New York). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of New York law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the New York official source linked on this page or consult a licensed New York attorney.
How does New York § 3103 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in New York can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in New York.