Except where an insurer has waived its right to an inspection or deferred an inspection pursuant to section 67.4 of this Part, an insurer shall not issue a new insurance policy or modify an existing insurance policy providing automobile physical damage insurance for a new, additional or replacement private passenger automobile unless the insurer's authorized representative has inspected the automobile.
N.Y. Comp. Codes R. & Regs. Tit. 11 § 67.2