§ 3425. Certain property/casualty insurance policies; cancellation and\nrenewal provisions; agents' contracts and brokers' accounts. (a) This\nsection shall apply to covered policies of insurance as defined in\nparagraphs one, two and three hereof.\n (1) "Covered policy" means a contract of insurance, referred to in\nthis section as "automobile insurance", issued or issued for delivery in\nthis state, on a risk located or resident in this state, insuring\nagainst losses or liabilities arising out of the ownership, operation,\nor use of a motor vehicle, predominantly used for non-business purposes,\nwhen a natural person is the named insured under the policy of\nautomobile insurance; provided, however, that the use or operation of\nthe motor vehicle by a transportation network company driver as a TNC\nvehicle in accordance with article forty-four-B of the vehicle and\ntraffic law or the use or operation of the motor vehicle through a\npeer-to-peer car sharing program in accordance with article forty of the\ngeneral business law, shall not be included in determining whether the\nmotor vehicle is being used predominantly for non-business purposes.\n (2) "Covered policy" also means a contract of insurance, referred to\nin this section as "personal lines insurance", other than a contract of\ninsurance defined in paragraph one hereof, issued or issued for delivery\nin this state, on a risk located or resident in this state, insuring any\nof the following contingencies:\n (A) loss of or damage to real property used predominantly for\nresidential purposes and that consists of not more than four dwelling\nunits, other than hotels and motels;\n (B) loss of or damage to personal property in which natural persons\nhave an insurable interest, except personal property used in the conduct\nof a business;\n (C) other liabilities for loss of, damage to, or injury to persons or\nproperty, not arising from the conduct of a business, when a natural\nperson is the named insured under the policy; and\n (D) parametric insurance, as defined in paragraph thirty-four of\nsubsection (a) of section one thousand one hundred thirteen of this\nchapter.\n (3) A personal umbrella liability policy shall be considered a\n"covered policy" under paragraph two, and not paragraph one, of this\nsubsection.\n (4) A contract which insures any of the foregoing contingencies\ndescribed in paragraph one or two hereof as well as other contingencies\nshall be a covered policy if that portion of the annual premium\nattributable to such foregoing contingencies exceeds that portion\nattributable to other contingencies.\n (5) A covered policy shall not include a policy issued pursuant to any\nplan established under article fifty-three or fifty-four of this chapter\nor legal services insurance.\n (6) "Renewal" or "to renew" 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; provided, however, that any\npolicy with a policy period or term of less than one year shall, for the\npurpose of this section, be considered as if written for a policy period\nor term of one year, or any policy with no fixed expiration date, shall,\nfor the purpose of this section, be considered as if written for\nsuccessive policy periods or terms of one year.\n (7) With respect to personal lines insurance, "required policy period"\nmeans a period of three years from the date as of which a covered policy\nis first issued or is voluntarily renewed.\n (8) With respect to automobile insurance, "required policy period"\nmeans a period of one year from the date as of which a covered policy\nbecomes effective after first issuance or voluntary renewal.\n (9) With respect to automobile insurance, "voluntary renewal" means\nthe renewal of a covered policy which has c
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