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Supplemental Spousal Liability Insurance

New York State Insurance Law ยง3420 excludes your spouse from coverage under your car's liability insurance unless, when you buy the Insurance, you affirmatively elect to obtain such insurance coverage. Therefore, if you have not affirmatively elected to get supplemental spousal liability insurance, you are uninsured with respect to your spouse. Think about it. If you drive negligently and injure your spouse in a one car accident, none of the liability insurance that you pay for will be available to your spouse. If in that same accident you also injure a stranger, all of the liability insurance will be available to the stranger. Who do you rather protect? A stranger or your spouse? Contact your insurance broker today and protect your loved one.