In Erwig v. Edward F. Cook Agency, 173 AD2d 439 (2nd Dept., 1991), the Appellate Division Second Department held that a policy holder's inquiry to her broker as to whether she had "good coverage" for her child to take the car out of state was not sufficient to impose liability upon the broker since the plaintiff did not make a specific request for coverage that would have provided protection in the event of an accident with an underinsured motorist, and in the absence of a specific request, the defendant had no duty to recommend or obtain that coverage.