§ 3450. Insurance for expenses incurred as a result of an act or
threatened act of violence. (a) Insurance authorized by subparagraph (D)
of paragraph seven of subsection (a) of section one thousand one hundred
thirteen of this chapter may be written only as provided in this
section, except for ransom or reward payment coverage incurred as the
result of the theft of property.

(b) As part of a homeowners' insurance policy, as such term is defined
in section two thousand three hundred fifty-one of this chapter, or
motor vehicle physical damage insurance policy, an insurer may provide
insurance for loss to any person as the result of an act or threatened
act of violence against an insured person.

(c) For purposes of this section, an "insured person" may include:

(1) with respect to a homeowners' policy, a member of the household, a
minor under the custody or care of the named insured, or a minor child
of the named insured, regardless of where the act or threatened act
occurs; or a person on the insured premises, or any other premises
within the temporary control of the named insured, or in a vehicle
owned, operated, leased or rented by the named insured.

(2) with respect to a motor vehicle policy, a person engaged in the
lawful use or operation of the vehicle.

(d) "Loss" for purposes of this section shall include loss or damage
to property; reimbursement of a deductible under another policy of
property/casualty insurance; ransom or reward payment; travel and
lodging expense; lost wages; expense incurred to locate or identify a
missing or abducted insured person; or other expenses to respond to a
violent act or threatened act or to prevent a reoccurrence thereof.

(e) A policy written pursuant to this section providing coverage for
loss to any person as the result of an act or threatened act of violence
against an insured person may also provide coverage for medical expenses
to any such person incurred as a result of the act or threatened act of
violence. For purposes of this subsection, coverage for such medical
expenses shall be deemed included in medical, hospital, surgical and
disability benefits to injured persons, and funeral and death benefits
to dependents, beneficiaries or personal representatives of persons who
are killed, irrespective of legal liability of the insured as authorized
by paragraph thirteen of subsection (a) of section one thousand one
hundred thirteen of this chapter.

(f) The superintendent may promulgate regulations necessary to
effectuate the purposes of this section.