As the state Legislature session winds down, the fight to allow ride-hailing companies to operate in New York is focused on setting insurance terms for drivers. Assemblyman John McDonald, D-Cohoes, said Wednesday he thinks the Legislature is close to agreement on the insurance issue but not broader regulation of services like Uber and Lyft. "I think that is going to happen with the insurance piece," he said. "Higher thresholds will be put on ride sharing." The Assembly version of the legislation would require ride-hailing service drivers to carry a $1.5 million insurance policy whenever riders are in the car.