N.Y. Insurance Law § 3450: Insurance for expenses incurred as a result of an act or threatened act of violence

§ 3450. Insurance for expenses incurred as a result of an act or

threatened act of violence. (a) Insurance authorized by subparagraph (D)

of paragraph seven of subsection (a) of section one thousand one hundred

thirteen of this chapter may be written only as provided in this

section, except for ransom or reward payment coverage incurred as the

result of the theft of property.

(b) As part of a homeowners' insurance policy, as such term is defined

in section two thousand three hundred fifty-one of this chapter, or

motor vehicle physical damage insurance policy, an insurer may provide

insurance for loss to any person as the result of an act or threatened

act of violence against an insured person.

(c) For purposes of this section, an "insured person" may include:

(1) with respect to a homeowners' policy, a member of the household, a

minor under the custody or care of the named insured, or a minor child

of the named insured, regardless of where the act or threatened act

occurs; or a person on the insured premises, or any other premises

within the temporary control of the named insured, or in a vehicle

owned, operated, leased or rented by the named insured.

(2) with respect to a motor vehicle policy, a person engaged in the

lawful use or operation of the vehicle.

(d) "Loss" for purposes of this section shall include loss or damage

to property; reimbursement of a deductible under another policy of

property/casualty insurance; ransom or reward payment; travel and

lodging expense; lost wages; expense incurred to locate or identify a

missing or abducted insured person; or other expenses to respond to a

violent act or threatened act or to prevent a reoccurrence thereof.

(e) A policy written pursuant to this section providing coverage for

loss to any person as the result of an act or threatened act of violence

against an insured person may also provide coverage for medical expenses

to any such person incurred as a result of the act or threatened act of

violence. For purposes of this subsection, coverage for such medical

expenses shall be deemed included in medical, hospital, surgical and

disability benefits to injured persons, and funeral and death benefits

to dependents, beneficiaries or personal representatives of persons who

are killed, irrespective of legal liability of the insured as authorized

by paragraph thirteen of subsection (a) of section one thousand one

hundred thirteen of this chapter.

(f) The superintendent may promulgate regulations necessary to

effectuate the purposes of this section.