Spouse Car Insurance New York New York NY

Reader’s Question:

We have a new auto insurance provider here in New York, New York. Should I still purchase a Supplemental Spousal Liability Insurance? I thought adding my wife’s name on our car insurance policy should already be enough?

Sef

New York, NY

You might find it strange to hear that your car insurance coverage might not actually cover your spouse under their policy in the event of a car accident. This would happen if the party involved in a car accident caused due to driver’s negligence. Your spouse, who might have been injured, hospitalized, or died, might not be given the same benefit coming from the coverages of your auto insurance as those covered under your policy in New York, New York especially if you have no No-Fault Liability coverage.

What you would want to do is to get in touch with your car insurance agent to see if you already have Supplemental Spousal Liability Insurance under your existing policy. Most Auto insurance providers are required to notify and offer their car insurance policyholders the chance to purchase this additional type of coverage. This usually happens when you initially sign up for car insurance or during the renewal of your policy. Make you you do understand exactly how your spouse will protected and for how much.

Try to also shop around and get an idea if other car insurance providers in your area are providing car insurance that already includes Supplemental Spousal Liability Insurance under the policy. You may save more money doing this than having to add the said policy as an additional.

Tags: auto insurance, insurance