How does an umbrella insurance policy coordinate as excess coverage over an underlying uninsured motorist claim in New York?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does an umbrella insurance policy coordinate as excess coverage over an underlying uninsured motorist claim in New York?
3 real searches · 1 real-search pass
New York umbrella insurance excess uninsured motorist coverage umbrella policy case law SUM UM New YorkGoogle ↗
OBSERVEDReason
New York Insurance Law 3420(f)(1) uninsured motorist umbrella excess coverage policy exclusionGoogle ↗
OBSERVEDReason
New York Court of Appeals umbrella policy supplementary uninsured motorists coverage excess policyGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
New York umbrella insurance excess uninsured motorist coverage umbrella policy case law SUM UM New York Google ↗
New York Insurance Law 3420(f)(1) uninsured motorist umbrella excess coverage policy exclusion Google ↗
New York Court of Appeals umbrella policy supplementary uninsured motorists coverage excess policy Google ↗
- NYS Open Legislation · nysenate.gov
- New York Insurance Law § 3420 (2025) - Liability Insurance; Standard Provisions; Right of Injured Person. :: 2025 New York Laws :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- N.Y. Comp. Codes R. & Regs. Tit. 11 §§ 60-2.3 - Requirements for sum endorsements | State Regulations | US Law · law.cornell.edu
- New York Codes, Rules and Regulations, Subpart 60-2, Section 60-2.1 - Basics of sum coverage | New York Codes, Rules and Regulations · regulations.justia.com
- In re the Arbitration between Matarasso & Continental Casualty Co., 82 A.D.2d 861 (Appellate Division of the Supreme Court of New York 1981) · hallapproved.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
New York umbrella insurance excess uninsured motorist coverage umbrella policy case law SUM UM New York OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
New York Insurance Law 3420(f)(1) uninsured motorist umbrella excess coverage policy exclusion OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
New York Court of Appeals umbrella policy supplementary uninsured motorists coverage excess policy OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |