What is supplemental spousal liability car insurance in New York?

I'm buying a car insurance policy in New York. When I was researching, I found that I can add supplemental spousal liability car insurance. What does this cover?

Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Supplemental spousal
liability insurance
is a policy that says you can recover damages from your spouse if they’re driving and you get into an accident. As of August 1, 2023, all car insurance policies in
New York State
will include this coverage
unless the policyholder chooses to reject it in writing
That's right: even if you're not married, New York law now requires you to purchase supplemental spousal liability insurance unless you take the extra step of rejecting the coverage. The next time you
renew your car insurance
in New York, be sure to check your policy for this coverage and decide whether or not to keep it.
MORE: The best type of car insurance to get if you're married
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