As a claims adjuster for an automobile insurance carrier, there are only 2 States in the Union that don't require uninsured motorist coverage; New York is not one of them. The minimum coverage for New York is:
- $25,000 - pays for one person injured in the accident
- $50,000 - pays for an aggregate of all injured parties involved in the accident
- $10,000 - pays up to the limit for any property damage (i.e., car, truck, etc.)
To make it easier for you to understand, uninsured motorist coverage is there to protect you and your family if they are in an accident with a vehicle that doesn't carry any liability insurance coverage.
In short, yes, your licensed child would be covered under the uninsured motorist coverage portion of your New York automobile policy. Your child would have to be a member of your household and listed as a driver on the household policy. Under the policy, they can drive any vehicle listed on that policy with coverage. If s/he is away at school within the State of New York, with a vehicle on the household policy, your child would be covered. It is always best to review your insurance coverages with your carrier or agent to determine what is the most effective coverage for you and your family circumstances. It is also best, if possible, to have the higher coverage limits of uninsured motorist coverage to protect your family from uninsured motorists driving around.
As I stated earlier, yes there is coverage for your children under the Uninsured Motorist Coverage portion of your policy.