In New York, must uninsured motorist coverage be?

Uninsured motorist coverage is a mandatory component of automobile insurance in New York. This requirement is designed to protect drivers and their passengers in the event of an accident with a motorist who does not have insurance. With this coverage, policyholders can receive compensation for damages and injuries they sustain in such scenarios, ensuring a level of financial protection and promoting overall road safety.

The rationale behind making uninsured motorist coverage mandatory is to ensure a baseline of protection for all drivers, reducing the financial burden that could arise from accidents involving uninsured parties. This contributes to a fairer treatment in the event of a claim, as insured drivers should not be left again facing financial difficulties due to another driver's lack of insurance.

The other options suggest that coverage could be optional, limited to certain vehicles, or restricted to specific drivers, which contradicts New York laws aimed at safeguarding against the risks associated with uninsured motorists. Such limitations would undermine the purpose of having mandatory coverage, which is to provide essential protection for all drivers on the road.