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This entry was published on 2014-09-22
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Insurance (ISC) CHAPTER 28, ARTICLE 53
§ 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

(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.