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Navigating New York State's Supplemental Spousal Liability Coverage


New York State drivers, pay attention! As of August 1, 2023, all auto insurance policies within the state automatically include supplemental spousal liability coverage. This means if you're injured in an accident caused by your spouse's driving, you can collect compensation from your own insurance, regardless of who owns the vehicle involved.


While this coverage has existed for some time, it's now an "opt-out" program, meaning it's automatically added unless you actively decline it. This change aims to ensure all drivers have the financial protection they need in case of such an accident.


Here's what you need to know about supplemental spousal liability coverage:


What it covers: Bodily injury liability if your spouse causes an accident and you're injured as a passenger.


Opting out: You can choose to decline the coverage by signing a declination form provided by your insurer.


Notification: Your insurance company is obligated to inform you about the coverage upon policy issuance, renewal, or amendment.


Need help navigating this change? The Town Agency is here for you! Contact us at 516-294-1000 or send us an email for assistance with opting out or learning more about supplemental spousal liability coverage.


Remember: This new law applies to all New York State drivers, regardless of marital status. Be informed and make the choice that's right for you!


Frequently Asked Questions About Supplemental Spousal Liability Insurance


What is it?


Supplemental spousal liability insurance is a type of car insurance that covers you if you are injured in a crash caused by your spouse. This means you can collect compensation from your own insurance company, even though your spouse was the at-fault driver.

Why am I being charged for it?


As of August 1, 2023, New York law requires all auto insurance policies to include supplemental spousal liability coverage unless the insured explicitly opts out. This means the coverage is automatically added to your policy and you will see a small charge added to your premium.

I'm not married. Do I still need it?


Yes, the law applies to all insured individuals regardless of marital status. You must take the step of opting out if you do not want the coverage.

How much does it cost?


The cost varies depending on your insurance company, but it is typically a small addition to your premium.

How do I opt out?


Contact your agent to inquire about their opt-out process. Some companies may provide a form, while others may offer electronic options.

Still have questions?


We encourage you to contact The Town Agency at 516-294-1000 to discuss your specific situation and learn more about supplemental spousal liability insurance. We can help you understand the coverage, determine if it's right for you, and assist you with the opt-out process if desired.

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