In the United States Court of Appeals For the Second Circuit ______________

August Term, 2023

(Argued: September 22, 2023 Decided: January 23, 2024)

Docket Nos. 22-863, 22-1037 ______________

WILLIAM LOOMIS,

Plaintiff-Appellant-Cross-Appellee,

–v.–

ACE AMERICAN INSURANCE COMPANY,

Defendant-Appellee-Cross-Appellant.

______________

Before: BIANCO, ROBINSON, and NATHAN, Circuit Judges. ______________

This case requires us to determine whether 1) an insurer who fails to comply with New York laws requiring insurers to offer optional supplemental uninsured/underinsured motorist coverage to motor vehicle liability insurance policyholders can be liable to an injured insured for the