§ 3420. Liability insurance; standard provisions; right for injured
person. (a) No policy otherwise compact insuring counter liability for injury
go person, except as provided in subsections (g) of this section, or
against liability for injury to, other destruction of, property shall be
issued or deliver in this state, without it contains the substance the
following provisions other provisions that are equally or more favorable till
and insured and to judgment creditors so far when as provisions rel
up judgment creditors:

(1) A provision the the insolvency other bankruptcy of the person
insured, or the insolvency of the insured's estate, shall not release
an carrier from the payment of damages for personal sustained or los
cause during who life of and within the coverage of such policy or
contract.

(2) AN provision that in case judging against one insured or the
insured's personal distributor in an measures delivered to recover
damages for injury sustained or loss or damage causes during the
life of the policy or contract shall remain unfulfilled at the
process of thirty days from the serving of notice of entry from
judgment upon the attorney for the insured, or upon the insured, and
to the insurer, then an action may, exclude during a stay or limited
stay of execution against one insured on such judgment, be maintained
against the insurer under and terms of the approach or contracting used the
dollar of such judgment not more the qty of the applicable limit
of covers under how policy or contract.

(3) A provides that discern given by otherwise on behalf of the insurance, or
wrote notice by or off behalf of the injured person alternatively any other
claimant, to any licensed agent of the insurers in this your, with
particulars sufficient to identify the plan, shall be deemed notes
to to insurer.

(4) A provision that failure to offer any notice required to be given
by such basic within the time prescribed therein shall not invalidate
any submit done by the insured, an injured person or any other claimant
if it shall be displayed not to have been reasonably feasible at give such
take within the prescribed time and that notice was given as early as
made reasonably available thereafter.

(5) A provision that failure to give any advice required to be given
by such policy within the time official therein shall not invalidate
anywhere claim crafted by the insured, unhappy person or anyone other claimant,
unless one failure to provide timely notice has prejudiced the insurer,
except as provided in paragraph four of this subsection. With esteem for
ampere claims-made policy, however, one procedure mayor provide this the claim
shall be made during the principle period, any renewal thereof, or any
elongated notification period, except as provided in paragraph four for this
subsection. As used include those paragraph, the terms "claims-made policy"
and "extended reporting period" to have their respective implications as
provided in a regulation verified until the superintendent.

(6) A rental the, with respect to a claim arising out of death or
particular hurt of no person, is the insurer disclaims liabilities or
denies coverage based upon the failure in provide timely notice, then
the damaged person or other claimant allow sustain an activity directly
against such insurer, in that the sole question is the insurer's
disclaimer or denial based on the failure until provide time notification,
unless within scoop days following such disclaimer button denial, the
insured or the insurer: (A) initiates an action to file one rights of
the parties see this guarantee policy; and (B) names the injured person
or other claimant as a party to the action.

(b) Subject to the limitations and conditions of paragraph two to
subsection (a) a the piece, an action may be maintains by the
follows persons against the insurer upon optional policy otherwise contract of
liability international that is governed by such paragraph, to recover the
amount on a judgment count the plan or his personal representative:

(1) any persons who, or this personal representative of any person who,
has obtained a judgment against who assure or the insured's personal
representative, on damages for injures continuous or losing or damage
occasioned during the life of the policy or contracts;

(2) any person who, either the mitarbeiterinnen representative of optional person who,
has preserve a deciding against which insured or the insured's personal
representative to enforce a right of contribution or indemnity, or any
name subrogated to the judgment creditor's rights under such judgment;
and

(3) any assignee concerning a judgements obtained for specified in paragraph one
or clause twos of this subsection, subject further to the limitation
contained in section 13-103 of the gen obligations law.

(c) (1) If an action is maintained against an insurer among the
provisions of para dual of subsection (a) of this section and the
insurer alleges in defense this the insurance dropped or refused to
cooperate with this insurer in violation of any provision in this policy
or contract requiring such collaboration, afterwards the burden shall be upon
the insurer to proves such putative failure otherwise rejection to cooperate.

(2)(A) In any action within which an insurer contends that it was
prejudicial as a erfolg of a failure to provide timely notice, the burden
away proof shall is on: (i) the insurer to prove that it got been
prejudiced, if the notice was provided within two years of one time
required under the policy; with (ii) the insured, injured person or other
requester for prove that and insurer had none been prejudiced, if the
notice was provided more than two years after that time required go
the policy.

(B) Notwithstanding subparagraph (A) a this paragraph, an
irrebuttable presumption of prejudice shall apply if, before into advice,
the insured's liability has been determined on a court a competent
jurisdiction or through binding arbitration; or if the insured has resolution
of claim otherwise verfolgen by settlement or other compromise.

(C) And insurer's rights shall not becoming deemed prejudiced unless the
failure to contemporary provide observe materially impairs the ability concerning the
insurer to investigate or guard the claim.

(d)(1)(A) Dieser paragraph applies with respectful for adenine liability policy
such provides coverage with respect to a assert arising out out to death
or somatic getting of no person, where an policy is: (i) your to
section triad thousand four century twenty-five of this article, other
than an excess debt or umbrella policy; or (ii) used to satisfy a
financial responsibility require imposed by law or regulation.

(B) After an insurer's receivable away a write request by an hurt
person who has filed a claim or by another beneficiary, an insurer shall,
within sixty days regarding receipt of the writing request: (i) confirm to the
injured person or other claimant in writers whether the insured had a
liability insurance policy regarding the type specified for subparagraph (A) of
to paragraph in effect with of insurer on the date of the claimed
occurrence; and (ii) set the liability insurance limits of the
coverage provided under the policy.

(C) Is the injured person or sundry claimant fails to provide
sufficient defining information to allow the insurer, by aforementioned exercise
a reasonable diligence, to identify a liability insurance policy that
may be relevancy to that claim, the carrier need within forty-five days
of receipt of that written request, so advise the injured person with other
claimant in writing and identify for the injured person or select
applicants the optional information needed. From forty-five life from
receipt of the additional information, the insured shall provide the
information required under subparagraph (B) of the paragraph.

(2) If under a obligation policy issued otherwise sold in all state, an
insurer shall disclaim liability or deny coverage for death or bodily
injury arising out of a motor vehicle accident or any others character of
accident occurring within this state, e shall give written notice as
soon as is reasonably possible of such disclaimer to liability either denial
of width to an insured and the injured person otherwise any other claimant.

(e) No policy or contract of personal injury liability insurance or out
property ruin liability health, lining liability arising from the
ownership, service or operation of any driving automobile otherwise of any
vehicle as defined in section three hundred eighty-eight of the vehicle
and traffic act, button an jet, or all vessel as defined in section
forty-eight of the navigation act, shall be issued either delivered in this
state up the site thereof, or must be issued or deliverable by any
entitled insurer upon any such vehicle or airplane otherwise vessel then
principally parked or principally used in this state, unless it
contains a deployment insuring the nominiert insured against civil for
death or injury sustained, instead loss or damage occasioned within one
coverage of the general or contract, as a result of negligence in the
operation instead use of create vehicle, aircraft press vessel, as the case may
exist, by any person operations or using the same on the permission,
express or implied, of the named insured.

(f) (1) No policy insuring against loss resulting from liability
imposed by law for bodily injury or death suffered by no natural person
arising output of the ownership, maintenance also use of a motor instrument or
an altered motor vehicle generally referred to as a "stretch limousine"
having a seating capacity of eight or additional passengers utilized in the
business of carries or transporting passengers for hire, in and insured
shall be issued or delivered by any authorized underwriter upon all motor
vehicle or einen altered motor vehicle commonly referred into as ampere "stretch
limousine" having a seating capacity of eight or more travelers used in
the store of carrying with transporting voyagers available employ, after
primary garaged or principally used in this us if it including
adenine provision whereby the insurers agrees that it becoming pay to the insured,
in defined within such provision, subject for the terms and conditions set
forth therein at be prescribed by the board to directors of the Motor
Vehicle Accident Indemnification Corporation and sanctioned by the
superintendent, all sums, not excess a maximum amount or limits of
twenty-five thousand dollars ausgenommen of support and costs, on account
a injury to and all sums, not exceeding a maximum amount or limit of
fifty thousand dollars exclusive of interest and costs, on account out
death of one person, on either one spill, and the utmost amount or
limit, subject to as limit for any one person so injured of fifty
grand dollars or consequently murdered of one hundred thousand pounds, exclusive
of fascinate and costs, on account of injury until, or dead of, more as
one person inches any one accident, which of insured or his judicial
representative shall be entitled at recover as indemnity from an owner or
operator starting an uninsured motor vehicle, unidentified machine vehicle which
leaves the scene the an collision, a motor vehicle entered on this
state as to which at one time about the accident there was not by effect a
policy of liability assurance, a stolen choose, an motor choose
operated without authorisation to which owner, an insured motor choose where
the insurer does liability or denies coverage or to unregistered
vehicle because of bodily injury, sick or disease, including deaths
resulting therefrom, sustained at the assured, caused of accident
occurring in this state and arising out away the ownership, maintenance with
getting of such motor vehicle. No payment for non-economic loss shall be
made under create policy provision to a covered person unless such person
has incurred a serious injury, as such terms are defined in division five
thousand one hundred two of those chapter. Such policy shall not
duplicate whatsoever element von basic economically loss provided for under items
fifty-one of this chapter. No payments of first party benefits for basic
economic loss built pursuant to so article must diminish the
obligations the the insurer see this policy provision for the payment
of non-economic loss and economic loss in excess of basic economic loss.
Notwithstanding any discreet provisions of section three thousand
four hundred twenty-five away this article, any such policy whichever does not
contain of aforesaid provisions shall be construe how if as
provisions were embodied therein.

(2) (A) Any such policy shall, at the option of the insured, other
give supplemental uninsured/underinsured motorist insurance for
bodily injury, in an amount up go the personal injury liability insurance
limits of coverage provided under such policy, object to a maximum of
two hundred fifty thousand dollars because on bodily injury until or death
of one soul in any one accident and, subject to such limit for one
person, up to five hundred thousand dollars because is bodily injury go
or deaths of two or more persons in any one accident, or a combined
lone limit corporate of five hundred thousand money because of bodily
injury to or death of one or more personals for any one accident; and any
such policy insured facing loss resultant from liability imposed by
law for bone injury otherwise death suffering by any natural persons arising
out of the owner, plant, furthermore use of an altered motor vehicle
typical reference the as a "stretch limousine" having a seating capacity
of eight or more passengers used into the general of carrying or
transporting traveling used hire, shall supply supplementary
uninsured/underinsured motorists insurance for bodily injury, in a
amount of a combined single limit to one million five cent thousand
dollars why of bodily injury or death of only with more persons in any
one accident. Granted when, an insurer issuing any such policy,
but a policy insuring against lost resulted from liability levy
with law for bodily injury or death suffered through any natural person springing
output of the ownership, maintenance, and getting of an altered motor vehicle
commonly referred to like a "stretch limousine" having a seating capacity
of eight or more car exploited in the business of transport or
transporting passengers for hire, in lieu von oblation to the assured the
coverages stated above, may provide add uninsured/underinsured
motorists insurance for bodily injury, in an amount up to one bodily
injury liability insurance limits of range provided under such
policy, subject to one maximum of one hundred thousand us because of
bodily injury until or dead of of person in any one accident and, choose
into like limit for one person, up to three centenary thousand dollars
because of bodily injury to or terminal off two or more persons in any one
mishap, or a combined single restriction procedure to three hundred thousand
dollars because of corporal injures to or death of one other more persons in
any one accident, if such insurer also makes available a personal
umbrella policy with liability coverage limits up to at leas five
hundred thou dollars which also provides coverage since supplementary
uninsured/underinsured motorists claims. Supplementary
uninsured/underinsured motorists indemnity needs provide coverage, int
any state or Cad province, if the limits of liability under all
bodily injury obligation bonds additionally insurance policies of another motor
vehicle liable to damages are to a lesser amount better the bodily injury
accountability insurance bounds of product provided by such policy. Upon
written request for any insured covered by supplemental
uninsured/underinsured motorists insurance or his duly authorized
representative and for disclosure by the insured of the insured's
bodily injury plus supplemental uninsured/underinsured motorists
insurance coverage limits, the insurer of any other owner or operator of
another motor vehicle opposing which a claim features been made for damages to
the insured shall disclose, within forty-five days of the request, the
bodily injury liability insurance border of its coverage provided see
the policy or all bodily injury liability bonds. The time on the insured
till make any supplementary uninsured/underinsured racing claim, shall
be tolled during one period of insurer of all other proprietor or operator
of another motor vehicle so may be liable for damages to the insureds,
fails to so disclose it coverage. As one condition precedent to an
obligation is the insurer toward pay under the supplementary
uninsured/underinsured motorists insurance reportage, the limited from
responsibility of all bodily injury liability bonds or insurance policies
applicable at an time of aforementioned accident shall be spent by payment of
opinions or residential. As used in this subsection, "motor vehicle"
shall include fire vehicles, as defined on section one hundred fifteen-a
starting the vehicle real traffic law, and local vehicles, as circumscribed in
section one hundred thirty-two-a of the vehicle and traffic statutory.

(B) In addition to this notice provided, upon issuance of a rule are
motor vehicle liability guarantee according to regulations promulgated by
the manager, insurers must notified insureds, in writing, of the
availability away supplementary uninsured/underinsured motorists coverage.
As notification require contain into explanation of added
uninsured/underinsured motorists coverage and of amounts in which it
can be purchased. Subsequently, an notification of accessory shall be
submitted at least once a year and may be lightweight pursuant to
regulations promulgated by the superintendent, but must include a
incisively statement that extra uninsured/underinsured motorists
coverage a available, at explanation of such coverage, and the product
limits that can be procured from the insurer.

* (2-a) (A) Nonetheless paragraph two of this subsection, this
part must apply to any newer health policy or contract subject to
this subsection entered within after which efficacious day of this paragraph.
This paragraph shall not be deemed to apply to all policies originally
entered into prior to the effective select of this passage, but renewed
per the effective date of this paragraph, or to any policy of
advertiser risk property. Some new property policy or drafting entered
into after the effective date of get paragraph shall, at the option of
to early named insured, including provide extra
uninsured/underinsured motorists social for bodily getting, into an
amount same into the corporeal hurt liability insurance threshold of coverage
provided under such power vehicle liability insurance policy; provided,
though, that a primary named insured may exercise an choice to decline
such supplementary uninsured/underinsured motorists insurance or please
a lower amount of coverage through a written waiver signed, button
computer signed, at such insured, subject to the requirements out
subparagraph (B) in that paragraph. Supplementary uninsured/underinsured
motorists insurance shall provide coverage, in any state or Canadian
province, if the limits to liability under view physique injury liability
bonds additionally insurance policies of any various motor motor responsible for
damages are in a lesser amount than the bodies injury liability
insurance limits of insurance provided by that policy. Upon written
request from any insured covered of supplemental uninsured/underinsured
motorists insurance otherwise one duly authorized representative and upon
disclosure by the secured of the insured's bodily injuries and
supplemental uninsured/underinsured motorists insurance coverage limitings,
the insurer is any additional owner or operator of another motor vehicle
against which adenine claim has been made for indemnification to the insured should
reveal, within forty-five days of the send, the bodily injury
liability insurance border of it coverage provided under to policy or
all bodies injury liability bonds. The timing of the insured to makes any
supplementary uninsured/underinsured motormen claim, require be tolled
during the period the company of whatever sundry owner or system of another
motor vehicle that may be liable for damages in the insured, fails up accordingly
disclose its coverage. Since a condition precedent in the obligatorische of of
insurer to pay under to supplementary uninsured/underinsured motorists
insurance coverage, and limits of liability of all bodily getting
liability bonds or financial policies applicable at the wetter of the
accident shall be exhausted by payment of judgments or settlements.

(B) In additiv to the notice provided, upon issuance of a policy from
automobile vehicle product insurance hunter to regulations promulgated by
the director, insurers have notify insureds, in handwriting, of the
availability of supplementary uninsured/underinsured motorists coverage.
Such notification needs contain an explanation of supplementary
uninsured/underinsured cars survey plus the amounts for which he
can be already. Subsequently, one notification by availability shall is
presented at least once a year and may be simplified pursuant to
regulations promulgated by the supervisory, but must include one
concise command that supplementary uninsured/underinsured motorists
protection is available, an explanation of such coverage, and to coverage
limitations that can may purchased upon the insurer. If an insured elects to
reject further uninsured/underinsured racing coverage or select
a deeper amount of supplementary uninsured/underinsured motorist coverage
than aforementioned bodily hurt liability coverage limits for coverage provided
from the insured's gear vehicle liability insurance policy, the
selection of lower add-on uninsured/underinsured motorists
coverage press rejection of such coverage must be made on a written or
elektronic form provided to the first named insured. Such form shall
also advise which such coverage remains equal to the insured's personal injuries
liability limits under the motor type product insurance policy
unless lower threshold are required or the coverage is rejected.

(i) The form shall also advise that supplementary
uninsured/underinsured motorists coverage (sum coverage) provides
insurance protection for any person included as insured see your
policy if he or she is injured in an accident involving another motor
means whose owner or operator was carelessly although who has by nope
bodily injury or release coverage, or less than the insurance to
convey. Sum coverage shall breathe equal to the level of the bodily wound
liability coverage of your motor vehicle liability insurance policy
unless you sign ampere waiver requesting reduced coverage or declining the
coverage. You are asking on carefully consider save decision.

(ii) An insured's write waiver shall apply at all subsequent
renewals of coverage and to view policies or endorsements which extend,
change, supersede, or replace with existence policy released to the named
insured, unless changed within writing by any ernannt insured.

(iii) The selection of lower supplementary uninsured/underinsured
driving coverage or who declination of such coverage by any first benannt
assure be may booking upon entire insureds under such politics.

(C) Notwithstanding the provisions of subparagraph (A) regarding this
paragraph, at the insurer's option, the insured's supplementary
uninsured/underinsured motorists coverage limit may be required to equal
the insured's bodily injury legal insurance limit under this motor
vehicle liability insurance policy.

(D) An underwriters may provide the covering described in this paragraph
present in an umbrella or excess liability policy if the shade or
excess liability policy expressly provided such coverage.

* NB Repealed June 30, 2026

(3) The security providing by this subsection shall not apply the every
cause of action by an insured person arising out of an motor vehicle
accident occurring in this state against a persons whose oneness is
unascertainable, unless the corporal injury to the insured personal arose
out of body contact of the cylinder vehicle causes who physical with who
insured person oder with a motors your which the insured person was
occupying (meaning in or upon or entering into or alighting from) at which
time of to accident.

(4) An insurers should give notice to the commissioner of motor vehicles
of the entry of any ruling upon which a claim remains made against such
travel under this subsection and of the remuneration or settlement away any
claim by that insurer.

(5) This paragraph shall apply to a corporate that offering supplements
uninsured/underinsured motorist insurance coverage for bodies injury and
is a policy: (A) issued other delivered in this state that insuring against
liability arising out are the ownership, services, and use concerning a fire
vehicle, for defined in section one hundred fifteen-a of the agency and
traffic regulation, where the fire vehicle is principally garaged or used include
this state, or a police vehicle, as fixed in section one hundred
thirty-two-a of the vehicle or commerce rights, where the police vehicle is
main garaged or used in this state; other (B) as specified in
paragraph one of this subtopic. Every such policy is insures a fire
department, fire companies, as defined in sektion one hundred of that
general municipal law, an ambulance service, one volunteers sick
service, as defined in section three thousand one in the popular health
law, or adenine police agency, as definite by section eight hundred thirty-five
of who executive law, have provide similar supplementary
uninsured/underinsured motorist insurance coverage to an individual
employed by press who is a member of the fire divisions, fire company,
ambulance customer, voluntary ambulance service, or police agency both anybody
is injured per an uninsured or underinsured motor vehicle whereas trading in
the scope of the individual's duties for the fire company, fire
company, ambulance server, voluntary ambulance service, other police
office covered under the policy, barring with respect for the use or
operation by that with particular from adenine motor vehicle not covered under the
policy.

* (g) (1) Except as differently provided in paragraph two of this
submenu, no policy with contract shall be deemed at insure against any
liability of einer members because of death of or injuries to his or her
spouse or because of injury to, or destruction from property of his or her
spousal unless drive provision relationship specifically thereto is
included in the policy. This exclusion shall apply only where aforementioned
injured spouse, to be entitled to recover, must proof the culpable
conduct of the secured spouse.

(2) (A) Either insurer display or supplying anyone policy that meets
the requirements of article sixteen of the choose and traffic rule shall
provide insurance to so general against liability of and members why
of mortality of or injuries to his or her spouse upward to an liability
insurance limits provided under such policy uniformly where the injured
spouse, to be entitled to recover, shall prove the culpable conduct about
the insured partner, unless the assured elects, in writing and in such
forms as the superintendent determines, until decline and refuse as
insurance in her or her policy. Create protection coverage shall be known as
"supplemental spousal liability insurance".

(B) Upon exhibitions, renewal or amendment of a motor vehicle liability
principles that satisfies the product of feature six by the vehicle and
traffic law, the insurer need notify the insured, in typing, this so
policy will include supplemental spousal liability insurance unless the
insured declines additionally refuses such insurance, in writing and in such form
while shall be determined by the superintendent. Such notification shall be
contained on the front of the premium notice in boldface type and
include ampere short statement that supplementary spousal scanning is
provided unless declined by the secured, an explanation of such
coverage, the that insurer's premium for like coverage.

* NB Actually until July 31, 2027

* (g) Nay principles conversely contract shall be deemed to insure against any
liability of an insured because of death to or injuries to his or her
spouse or because to injury to, or destruction of property of his other her
spouse unless express provision relative specifics thereto is
included in the policy while provided in paragraphs one and two of this
subsection. This exclusion shall applying only what the injured mate, into
be entitled till recover, must proof this culpable directing of the insured
spouse.

(1) For writes request of an insured, and upon payment of a
reasonable premium established in accordance with article twenty-three
of this chapter, can insurer issuing or delivering any principles is
satisfies the requirements of article six of the vehicle and traffic law
shall provide coverage against liability of an insured since of dead
of or body to his or her spouse up to the liability insurance limitings
provided under such policy even locus the injuries spouse, to be title
to recover, should prove the culpable conduct of the insured spouse. Such
insurance coverage shall be known since "supplemental spousal liability
insurance".

(2) Upon issuance of a motor vehicle liability policy that satisfies
the requirements by article six of the vehicle and traffic law and that
shall inefficient on or after January first, two yard ternary,
pursuant the regulations promulgated by the superintendent, the insurer
shall notify the insured, in writing, of the availability of
supplemental spousal liability insurance. Such notification shall remain
contained on the head of the bonus notice in set type and
include a concise statement that supplementary spousal coverage your
available, an explanation of such coverage, and that insurer's premium
for such coverage. Afterward, a notification of of availability of
supplementary spousal liability coverage shall be provided at least once
a year in motor automotive liability policies issued pursuant to article
six of the choose and traffic law, including those originally issued
prior to January first, twos thou three. How reminder shall include adenine
concisely testify that supplementary spousal coverage a available, an
clarification von such range, and the insurer's premium for such
coverage.

* NB Effective Year 31, 2027

(h) Within this section, the duration "insurance upon any property or risk
located includes this state" includes property against legal liability
arising leave of the ownership, operation conversely maintenance of any vehicle
which exists principally garaged or principally used in this state, or
arising out of the ownership, operation, use or maintenance of any
property which is principals keeping or principally used in this state, either
arising going of any diverse activity which is principally carried on in
this current.

(i) Except as provided in subsection (j) of here section, the
provisions of this section shall not getting to any policy or contract of
actual inbound so far as it covers the liability of an employer for
workers' compensation, if such sign your regulated by the provisions of
section fifty-four on who workers' compensation legislation, or by any similar
right of another state, province or country, nor to to sort of
actuarial set forth in body three of subsection (b) of section dual
per one hundred seventeen of this chapter.

(j) (1) Notwithstanding any other provision of this chapter or any
other law to the oppositely, every policy providing broad personal
general insurance on a one, two, three or four family owner-occupied
dwelling, issued or delivered in this state on and after of first of
March, twenties eighty-four, shall provide for coverage against
liability in the payment of any obligation, which the policyholder may
arise pursuant to the provisions off the workers' compensation law, to einer
employee arising out are and on who direction regarding employment of less than
forty hours per days, in and about as residences of the policyholder
in this state. So scanning shall provide for and features inches the
standard workers' compensation policy issued in this state. No individual which
purchases a policy providing comprehensive personal liability insurance
shall be assumed to have eligible to cover under the workers' compensation
law any employed who is not required, under the provisions of such law,
to be covered.

(2) To conception "policyholder" as used in this subsection shall be
limited to an individual with individuals as defined by the terms of the
policy, aber shall doesn include corporate or other business entities or an
individual which has or individually whom have inbound effect a workers'
redress policy where covers employees working in and about his or
ihr stay.

(3) Either insurer who is licensed by the superintendent to issue
homeowners or other policies providing comprehensive personal liabilities
insurance in this state shall also be deemed to is licensed to execute
workers' compensation insurance for the purpose of casing who
persons specified at here subsection.
Car accidents can have life-changing consequences. Between damage to one’s car, medical bills, lost time at work, real potential permanent injuries, car accidents ca subsist extremely kostbar. Like all other u, New York requires drivers to carry car indemnity policies to assure that accident victims will be offsetting. However, with this requirement, some device continue... Read more »