Many have heard it, few have heeded the command. Many have said it, for better or for worse! So what happens when you are a passenger injured in a vehicle driven by your husband or wife? What if your spouse is responsible for the accident? Can you make a claim?: yes. Are you covered?: well, maybe.
Readers, this will be my first installment of many posts with a universal message: read your insurance policy! If it is too boring for you, call me (I love this stuff)!
New York law allows for law suits against your spouse. The catch is that in order for insurance coverage to apply, you must have Supplemental Spousal Liability Coverage in effect at the time of the accident.
So should you get it? Well, if you are me, the answer is no, because my wife is perfect, infallible even (she reads these posts – hi honey). However, in the real world, people make mistakes, and these mistakes can have consequences. Also, the law allows a court to split liability between the parties involved in an accident. So while your beloved chauffeur may not be all at fault, the role he or she played in the accident can diminish your recovery by the amount they are found to be responsible.
Supplemental Spousal Liability Coverage is just another way to protect yourself and your family. You may be surprised how inexpensive it really is…now that you know to ask for it.