§ 345. Motor vehicle liability policy. (a) A "motor vehicle liability\npolicy" as said term is used in this article shall mean an owner's or an\noperator's policy of liability insurance certified as provided in\nsection three hundred forty-three or section three hundred forty-four as\nproof of financial responsibility, and issued except as otherwise\nprovided in section three hundred forty-four, by an insurance carrier\nduly authorized to transact business in this state to or for the benefit\nof the person named therein as insured.\n (b) Such owner's policy of liability insurance\n (1) Shall designate by explicit description or by appropriate\nreference, all motor vehicles with respect to which coverage is thereby\nintended to be granted.\n (2) Shall insure as insured the person named therein and any other\nperson using or responsible for the use of any such motor vehicle or\nmotor vehicles with the consent, express or implied, of such named\ninsured.\n (3) Shall insure the insured or such other person against loss from\nthe liability imposed by law for damages, including damages for care and\nloss of services because of bodily injury to or death of any person and\ninjury to or destruction of property arising out of the ownership,\nmaintenance, use, or operation of such motor vehicle or motor vehicles\nwithin the state of New York, or elsewhere in the United States in North\nAmerica or the Dominion of Canada, subject to a limit, exclusive of\ninterest and cost, with respect to each such motor vehicle, except a tow\ntruck, of twenty-five thousand dollars because of bodily injury to or\nfifty thousand dollars because of death of one person in any one\naccident and, subject to said limit for one person, to a limit of fifty\nthousand dollars because of bodily injury to or one hundred thousand\ndollars because of death of two or more persons in any one accident, and\nto a limit of ten thousand dollars because of injury to or destruction\nof property of others in any one accident. The limit, exclusive of\ninterest and costs, with respect to a tow truck shall be a combined\nsingle limit of three hundred thousand dollars because of bodily injury\nof death to one or more persons or because of injury or destruction of\nproperty of others in any one accident, and to a limit of twenty-five\nthousand dollars because of damage to a vehicle in the care, custody and\ncontrol of the insured.\n (c) Such operator's policy of liability insurance shall insure the\nperson named therein as insured against loss from the liability imposed\nupon him by law for damages, including damages for care and loss of\nservices, because of bodily injury to or death of any person and injury\nto or destruction of property arising out of the use by him of any motor\nvehicle not owned by him, within the same territorial limits and subject\nto the same limits of liability as are set forth above with respect to\nan owner's policy of liability insurance.\n (d) Such motor vehicle liability policy shall provide for the name and\naddress of the named insured, the coverage afforded by the policy, the\npremium charged therefor, the policy period and the limits of liability,\nand shall contain an agreement that the insurance thereunder is provided\nin accordance with the coverage defined in this article as respects\nbodily injury and death or property damage or both and is subject to all\nthe provisions of this article.\n (e) Such motor vehicle liability policy shall not insure any liability\non account of bodily injury to or death of an employee of the insured\nfor which benefits are payable under any workmen's compensation law. Nor\nis any such policy required to insure any liability on account of (1)\ndamage to property of others in charge of the insured or of his agents\nor employees (2) bodily injury to or death of the insured, or (3) except\nas provided in paragraphs one and two of subsection (g) of section three\nthousand four hundred twenty of the insurance law
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