New York Insurance Law Section 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.

Last modified: February 3, 2019