(b) A breach of warranty shall not avoid an insurance contract or
defeat recovery thereunder unless such breach materially increases the
risk of loss, damage or injury within the coverage of the contract. If
the insurance contract specified two or more distinct kinds of loss,
damage or injury which are within its coverage, a breach of warranty
shall not avoid such contract or defeat recovery thereunder with respect
to any kind or kinds of loss, damage or injury other than the kind or
kinds to which such warranty relates and the risk of which is materially
increased by the breach of such warranty.
(c) This section shall not affect the express or implied warranties
under a contract of marine insurance in respect to, appertaining to or
in connection with any and all risks or perils of navigation, transit,
or transportation, including war risks, on, over or under any seas or
inland waters, nor shall it affect any provision in an insurance
contract requiring notice, proof or other conduct of the insured after
the occurrence of loss, damage or injury.
Structure New York Laws
Article 31 - Insurance Contracts - General
3101 - Simplified Comprehensive Policies of Insurance.
3102 - Requirements for the Use of Readable and Understandable Insurance Policies.
3103 - Non-Conforming Contracts.
3104 - Contract Provisions Required by Laws of Other Jurisdictions.
3105 - Representations by the Insured.
3106 - Warranty Defined; Effect of Breach.
3107 - Sale of Insurance Policies by Vending Machine.
3108 - Reinsurance Contracts Excepted.
3109 - False Statements in Applications for Membership in Fraternal Benefit Societies.
3110 - Withdrawal of Any Policy Form.
3111 - Special Provisions Relating to Senior Citizens.
3112 - Automatic Bank Withdrawal Agreements; Notification Required.