NY A09407

Requires insurers to provide supplemental spousal liability insurance coverage in motor vehicle liability policies issued to first named insureds who indicate a spouse on the application, unless the insured declines in writing.

Allows insureds without a spouse listed on the application to request supplemental spousal liability coverage in writing and pay a reasonable premium established under Article 23 of the Insurance Law.

Mandates that insurers notify first named insureds at policy issuance about supplemental spousal liability coverage in boldface type on the front of the premium notice, including a concise explanation and the premium cost.

Requires renewal notifications to indicate whether supplemental spousal liability coverage is included and allows written declinations to apply to subsequent renewals unless the insured requests reinstatement.

Takes effect 180 days after enactment and applies to policies issued, renewed, or modified on or after that date, subject to the expiration of the underlying statutory provision in 2025.