NY A00227

Requires supplementary uninsured/underinsured motorists (SUM) insurance to be automatically included in all new, renewed, or amended motor vehicle liability policies at coverage levels equal to the bodily injury liability limits, unless the insured declines in writing

Shifts from opt-in to opt-out system where insureds must actively sign a written or electronic waiver to reject SUM coverage or select a lower amount, rather than choosing to add it

Mandates that if an insurance carrier fails to maintain and provide the required waiver form, the policy will automatically include maximum supplemental uninsured/underinsured coverage equal to liability limits, regardless of premiums paid

Requires insurers to notify policyholders in writing at issuance, renewal, or amendment that their policy includes SUM coverage and strongly recommend purchasing maximum available coverage

Extends the expiration date of the supplementary uninsured/underinsured insurance provisions from June 30, 2026 to June 30, 2029