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State law automatically enrolls New Yorkers in supplemental car insurance, raising questions

  • / Updated:
  • Staff Report 

Starting August 1, a state law will automatically roll New Yorkers into an added insurance feature, termed “supplemental spousal liability coverage,” regardless of their marital status, potentially increasing insurance costs.

Previously, if one was injured in an accident caused by their spouse, they were entitled only to the personal injury protection, capped at $50,000.


However, with the new law, individuals can sue their spouse for damages like pain and suffering if severely injured due to the spouse’s fault.

This additional protection can cost up to $50 annually, varying by provider, though some might not levy any charge. While this enrollment is automatic, opting out requires signing a declination form, available online or from insurance providers.

Lawmakers said the intention was to ensure adequate coverage for residents.



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