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In New York, it used to be that you had to “opt-in” with most carriers to be covered for spousal liability – that which required the insurance company to cover a spouse for “pain and suffering” if their spouse causes (or partially causes) a motor vehicle accident where they are a passenger.
The law changed in 2023, as many people did not know what spousal liability coverage was. Now, the insured must “opt-out” at renewal or at the issue of a new policy and must sign a form opting out....
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