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2016 New York Laws
PEP - Personal Property
Article 9 - (Personal Property) MOTOR VEHICLE RETAIL INSTALMENT SALES ACT
312 - Refund credit on cancellation of credit related insurance or prepayment of contract.

NY Pers Prop L § 312 (2016) What's This?
  312.  Refund  credit on cancellation of credit related insurance or
  prepayment of contract. The provisions of this article requiring refunds
  and refund credits with respect to group credit life insurance, in cases
  of cancellation of group credit life insurance or  of  prepayment  of  a
  retail instalment contract shall also require refunds and refund credits
  with  respect  to  credit unemployment insurance, group credit accident,
  group credit health or group credit accident  and  health  insurance  in
  cases  of  cancellation  of  such  insurance  or  prepayment of a retail
  instalment contract which included such insurance.

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