PLNew Yorkeasy
Under NY Insurance Law § 3420(f)(1), what uninsured motorist (UM) bodily injury limit must every New York personal auto policy automatically provide?
UM limits equal to the bodily injury liability limits of the policy
BThe state minimum of 25/50, regardless of the BI liability limit selected
CUM is optional and must be rejected in writing
DUM limits equal to twice the bodily injury liability limits
Why this is the answer
§ 3420(f)(1) is the mandatory UM statute. It requires every owner's policy issued or delivered in New York to include UM bodily injury coverage at limits equal to the third-party BI liability limits selected by the insured. If the insured buys 100/300 BI, UM is also 100/300 — the carrier may not issue UM at a lower 25/50 floor when BI is higher. UM cannot be rejected on a NY personal auto policy (unlike SUM, which is offered up to the BI limit and can be rejected). The 'equal-limits' rule is automatic and operates by force of statute.
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