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As per NY law. ...licensed carry of a handgun on one’s person allows the handgun to be fully loaded, including within an automobile, while visiting a place of business or while crossing a public road while hunting. A rifle or shotgun cannot be kept loaded in any of the above circumstances except for a self-defense emergency...

I got pulled over heading home with 2 deer strapped to the roof of my vehicle around 16 years ago. Simple hunting license check etc. the cop said where are your firearms? I showed him my loaded personal weapon and a case on top with more handguns. “Where are your shotguns “ as shotguns were the only legal long gun allowed in the county I was hunting. Under everything was my answer. We had packed all our luggage and supplies on top of them and it would have taken a half hour or more to unload then Reload the car. “That's ok......you can go” the cop said.
Curious I asked why there was such a law about loaded long guns in cars
He said “road poaching “. People drive along till they see a deer then shoot them from the road. That, supposedly is the reason for the law, but the letter of the law reads ‘in or ON’.