N.Y. ISC Law § 2803

§ 2803. Dispute resolution and error correction. If it is determined\nthrough the dispute resolution process set forth in the federal Fair\nCredit Reporting Act, 15 USC 1681i(a)(5), that the credit information of\na current insured was incorrect or incomplete and if the insurer\nreceives notice of such determination from either the consumer reporting\nagency or from the insured, the insurer shall re-underwrite and re-rate\nthe consumer within thirty days of receiving such notice. After\nre-underwriting or re-rating the insured, the insurer shall make any\nadjustments necessary, consistent with its underwriting and rating\nguidelines. If an insurer determines that the insured has overpaid\npremium, the insurer shall refund to the insured the amount of\noverpayment calculated back to the last thirty-six months of coverage\nprovided by such insurer.\n