The terms of the policy of insurance shall indemnify any one person sustaining bodily injury or the death of one person in any one accident in the amount of $10,000 and subject to said limit of one person, to a limit of $20,000 because of bodily injury or death of two or more persons in any one accident, and to a limit of $5,000 because of injury to or destruction of property of others in any one accident.
N.Y. Comp. Codes R. & Regs. Tit. 9 § 460.2