The law was enacted to prevent policyholders from unknowingly waiving supplemental spousal liability coverage, which occurred routinely in the past, according to the United Public Service Employees Union. Credit: Jordi Clave Garsot/Adobe Stock
As of August 1, 2023, all auto insurance policies in New York must include supplemental spousal liability coverage, according to a brief from the New York State Department of Financial Services.
Supplemental spousal is "coverage for an insured's legal liability for the death of or injuries to a spouse, even where the injured spouse must prove the other spouse's culpable conduct before recovering damages," according to the New York chapter of the Independent Insurance Agents & Brokers of America (Big-I). The change applies only to primary auto liability coverage, not umbrella liability coverage.
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Steve Hallo
Steve Hallo is managing editor of PropertyCasualty360.com. He can be reached at [email protected]
