N.Y. Comp. Codes R. & Regs. Tit. 11 § 60-1.6 - Supplemental spousal liability insurance
This section implements section 3420(a) and (g) of the Insurance Law, as amended by chapter 584 of the Laws of 2002, which requires motor vehicle liability insurers to offer supplemental spousal liability (SSL) insurance to all policyholders in New York State who are covered under motor vehicle liability insurance policies that satisfy the requirements of article 6 of the New York Vehicle and Traffic Law. This requirement applies to all policies issued or renewed that become effective on and after January 1, 2003. Section 3420(g)(2) provides that, pursuant to regulations promulgated by the Superintendent of Financial Services, a notification by the insurer to the insured shall include an explanation of the coverage and the insurer's premium for the coverage.
SUPPLEMENTAL SPOUSAL LIABILITY COVERAGE
New York State law requires that upon written request of an insured, and upon payment of the premium, an insurer issuing or delivering a policy that satisfies the requirements of article 6 of the New York Vehicle and Traffic Law shall provide Supplemental Spousal Liability Insurance coverage.
Supplemental spousal liability insurance provides bodily injury liability coverage under a motor vehicle insurance policy to cover the liability of an insured spouse because of the death of or injury to his or her spouse, even where the injured spouse must prove the culpable conduct of the insured spouse.
This coverage is included within the policy's bodily injury liability limits and does not increase the amount of those limits. For example:
Insured's bodily injury policy coverage limit: $100,000/$300,000
Insured's bodily injury damage claim paid to spouse: $75,000
Insured's bodily injury policy coverage limit available to all other claimants subject to a maximum of $100,000 per person: $225,000
This example assumes the spouse and other claimants involved in the accident have a right to sue the insured for economic loss or for non-economic loss (i.e., pain and suffering) sustained as a result of a "serious injury" as defined in section 5102(d) of the Insurance Law. It must also have been shown that there was negligence on the part of the insured.
The additional premium for SSL coverage is $XX.XX. If you do not elect to purchase this coverage and do not remit the additional premium, SSL coverage is not included in your motor vehicle insurance policy.
State regulations are updated quarterly; we currently have two versions available. Below is a comparison between our most recent version and the prior quarterly release. More comparison features will be added as we have more versions to compare.