Time for New York to tackle out of control vehicle insurance rates

May 6, 2026

Check out the New York Association for Pupil Transportation’s Op-Ed in The Daily News.

BY DAVID CHRISTOPHER

“Our future is riding with us!” is the proud

slogan of the New York Association for Pupil

Transportation.

More than 2.3 million children need to get to

and from school safely each day on nearly 50,000

school vehicles. As the representative of hundreds

of school transportation departments and thou-

sands of professionals across the state, the safe

transportation of these children is our top priority.

While the safety of the students we trans-

port is paramount, we are also responsible for

ensuring school transportation is efficient and

affordable. So we understand the serious im-

pact expensive vehicle insurance can have on

our school district budgets.

Unfortunately, managing the cost of school

transportation is becoming more difficult each

year and the rising costs of vehicle insurance

premiums does not make our jobs any easier —

especially when the price of vehicle insurance

premiums is the one thing that seems to go up

every year.

Whether school districts operate their own

school buses in-house or hire private school bus

companies to provide the service, they must

still pay for vehicle insurance either directly or

indirectly. And in the end, it is taxpayers who

bear the costs.

In recent years, the cost of insurance has sky-

rocketed, which means everyone involved either

must pay more for school transportation service

or risk reducing services.

One of our members, who is a private school

bus company providing service to public

schools, reported their school vehicle insur-

ance premiums increased more than $10 mil-

lion over the last three years.

This is simply unsustainable for our school

districts and property taxpayers.

Fortunately, there is an initiative that Gov.

Kathy Hochul included as part of her state

budget proposal.

This solution seeks common-sense reforms

to help drive down the cost of vehicle insurance

premiums for everyone.

The governor’s proposal is focused on going

after fraud in the system, addressing frivolous

lawsuits, and ensuring insurance companies

pass on the savings to consumers all while pro-

tecting vehicle accident victims who deserve

to be justly compensated.

Her proposal calls for strengthening our le-

gal system to improve the investigative process

and ability for prosecutors to pursue harsher

criminal penalties for everyone involved in

committing fraud, as well as targeting medical

providers who sign-off on fraudulent diagnoses.

Additionally, the governor’s proposal will help

reduce frivolous lawsuits by capping non-eco-

nomic damages, such as pain and suffering for

criminals who engage in fraudulent auto accident

activity — including drivers who are impaired.

Among other needed reforms, she is also

proposing that people minimally responsible

for accidents aren’t the ones left unfairly hold-

ing the bag if delinquent parties fail to pay up.

Because of the importance of vehicle in-

surance to our industry and the tremendous

expense to our school districts, we are thrilled

to see Gov. Hochul taking on the high cost of

vehicle insurance.

We are hopeful the state Legislature will

work with the governor on these com-

mon-sense reforms and come to an agreement

to help reduce the cost of vehicle insurance for

our school districts, taxpayers and consumers.

David Christopher is executive director

of the New York Association for Pupil

Transportation, which represents public and

private school transportation professionals

across the state dedicated to the safe and

efficient transportation of school children.

Click here for PDF

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