NEW YORK AUTO INSURANCE GUIDE

Who Is an Insured Under New York Auto Insurance?

Coverage often depends on whether a person qualifies as an insured under liability, no-fault, uninsured-motorist, or supplementary uninsured/underinsured-motorist provisions. This guide will address named insureds, resident relatives, permissive users, occupants, pedestrians, and other persons who may qualify under New York law and policy language.

Publication review note — September 17, 2026. Verify current statutory definitions, policy forms, omnibus requirements, and controlling decisions before publication.