§ 3411. * Automobile physical damage insurance covering private\npassenger automobiles; standard provisions; required inspections; duties\nof insurers and insureds.\n * NB Effective until May 15, 2024\n * Automobile physical damage insurance covering private passenger\nautomobiles; standard provisions; inspections; duties of insurers and\ninsureds.\n * NB Effective May 15, 2024 until October 1, 2027\n * Automobile physical damage insurance covering private passenger\nautomobiles; standard provisions; required inspections; duties of\ninsurers and insureds.\n * NB Effective October 1, 2027\n (a) The provisions of this section shall be applicable to all\nautomobile physical damage insurance policies covering private passenger\nautomobiles registered in this state, notwithstanding any other\nprovisions of this chapter.\n (b) In this article, "renewal" means the issuance and delivery by an\ninsurer, at the end of the policy period, of a policy superseding a\npolicy previously issued and delivered by the same insurer, or the\nissuance and delivery of a certificate or notice extending the term of a\npolicy beyond its policy period or term. Any policy with a policy period\nor term of less than one year shall, for the purpose of determining each\nrenewal date in this section, be considered as if written for a policy\nperiod or term of one year commencing with the annual anniversary date,\nand any policy written for a period or term of more than one year or any\npolicy with no fixed expiration date shall, for the purpose of this\nsection, be considered as if written for successive policy periods or\nterms of one year commencing with the annual anniversary date.\n (c) No policy providing automobile physical damage insurance for\nprivate passenger automobiles registered in this state shall be issued,\ndelivered, or renewed unless it complies with this section.\n * (d) A newly issued policy shall not provide coverage for automobile\nphysical damage perils prior to an inspection of the automobile by the\ninsurer.\n * NB Effective until May 15, 2024\n * (d) A newly issued policy shall not provide coverage for automobile\nphysical damage perils prior to an inspection of the automobile by the\ninsurer, unless the insurer has waived the right to such inspection\npursuant to a statement of operation filed with the superintendent. In\nits statement of operation, an insurer may waive the right to inspect\nsome or all automobiles. Every statement of operation shall take effect\nupon its filing with the superintendent and may cover some or all\nautomobiles.\n * NB Effective May 15, 2024 until October 1, 2027\n * (d) A newly issued policy shall not provide coverage for automobile\nphysical damage perils prior to an inspection of the automobile by the\ninsurer.\n * NB Effective October 1, 2027\n (e) For a renewal of a policy referred to in subsection (d) of this\nsection, an insurer may require, as a condition of such renewal, that\nthe automobile be made available for inspection.\n (f) If an insurer requests an inspection pursuant to subsection (e) of\nthis section, the insured shall make the automobile available for\ninspection by the insurer, upon reasonable notice. If the insured fails\nto make the automobile available for inspection, the insurer may refuse\nto continue such physical damage coverage.\n * (g) If an automobile subject to the provisions of this section is\nacquired by the insured as a replacement for or an addition to an\nautomobile insured for physical damage coverage, and the insured\nrequests physical damage coverage for the replacement or additional\nautomobile, such coverage for physical damage shall not be effective\nbefore such inspection is made. If, at the time of the request for such\ncoverage, the automobile is unavailable for inspection because of\nconditions of purchase or other circumstances and is thereafter made\navailable for inspection, the insurer shall promptly inspect the\nautomobile, and physic
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