N.Y. Insurance Law § 5303: Coverage

§ 5303. Coverage. (a) Any such plan shall provide for availability to

applicants of motor vehicle insurance coverages for:

(1) legal liability, up to fifty thousand dollars because of bodily

injury to or death of one person in any one accident and, subject to

such limit for one person, up to one hundred thousand dollars because of

bodily injury to or death of two or more persons in any one accident,

and up to ten thousand dollars because of injury to or destruction of

property of others in any one accident; and

(2) loss or damage to an automobile insured under a policy, up to ten

thousand dollars actual cash value, subject to a deductible of not less

than one hundred dollars; provided, however, that the physical damage

insurance for a private passenger automobile shall be subject to all of

the provisions of sections two thousand three hundred thirty-seven,

three thousand four hundred eleven and three thousand four hundred

thirty-two of this chapter; and

(3) medical payments with respect to private passenger motor vehicles

not for hire, irrespective of the legal liability of the insured,

because of bodily injury to or death of any person insured thereunder,

up to one thousand dollars; and

(4) supplementary uninsured motorists insurance, as defined in

subsection (f) of section three thousand four hundred twenty of this

chapter.

(b) Any such plan shall provide for availability to applicants of

twice the dollar level of first party benefits prescribed in section

five thousand one hundred three of this chapter; and commensurate first

party benefits for personal injury arising out of the use or operation

of a motor vehicle in any other state or Canadian province.

(c) Such plan shall provide for the method of classifying risks,

establishing territories and making rates applicable thereto. Such

rates, except with respect to rates for the minimum limits of insurance

required by article six or seven of the vehicle and traffic law, shall

be based upon loss and expense experience of the risks insured pursuant

to the plan.