The New York state's governor, Kathy Hochul, has proposed a plan to lower auto-insurance rates by cracking down on fraud, which is causing a delay in passing a budget. The plan would benefit all New Yorkers, even those who do not own cars, as businesses that save on auto or truck insurance can pass on the savings to customers. The current system currently costs an average of $4,000 a year on premiums, which are 38% more than the national average. The proposal aims to reduce these costs by helping prosecutors target criminal rings, shady lawyers, and fake “victims” who stage accidents. However, trial lawyers, who receive a third of these awards, are the primary supporters of the current system.