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Rental car coverage

310007-00

Drive-other-car coverage—rental cars
Does a business auto policy, endorsed with drive-other-car coverage, afford New York rental car coverage to the named individual on the endorsement?...

310167-00

Rental car legislation
How does enactment of Chapter 656 of the Laws of 2002 (removal of cap, etc.) affect the insured?...

310168-00

Collision damage waiver
Has the collision damage waiver amount changed recently from $100?...

310169-00

Other states’ rental car laws
How does New York’s law compare with other state laws on rental cars?...

310170-00

Named non-owner policy
If the insured has a named non-owner policy, and does not own or lease an auto, is the policy going to include rental vehicle coverage?...

310171-00

Commercial policies
Everyone in my office was surprised to hear that the Rental Vehicle Coverage Endorsement is mandatory on commercial policies. Please confirm....

310172-00

Commercial policies in individual name
Does the Rental Vehicle Coverage Endorsement apply to a commercial policy that insures vehicles used for business purposes?...

310173-00

Mandatory N.Y. rental vehicle coverage for an antique auto policy
Is an antique auto a “private-passenger motor vehicle”?...

310174-00

Sport-utility vehicles
What about a policy that only has a minivan (Dodge Caravan) insured under the policy? Are SUVs considered a private-passenger vehicle in order to......

310176-00

Rental coverage—five or more vehicles
We have a few personal-lines clients who have five or more vehicles insured on a personal auto policy. These are not fleet situations. It appears......

310177-00

Fleet eligibility
If a sole proprietor insures three private-passenger autos on a commercial automobile policy and they were used to conduct sales, will this policy......

310178-00

Duplicate coverage
If an insured has two auto policies, would both respond to a rental vehicle claim (e.g., one personal auto policy and one antique auto policy)?...

310179-00

Motorcycle rental
Would renting a motorcycle while on vacation be covered if you don’t have a separate motorcycle policy?...

310180-00

U-Haul rental
When someone is moving and they rent a U-Haul van, is there coverage on the personal auto policy for damage to the van? Is there a size......

310181-00

Lowe’s or Home Depot trucks
I had a question about trucks rented from a retail store such as Lowe’s or Home Depot that isn’t in the business of rental, but they......

310182-00

Loaner cars
Where do loaner cars fit in with regard to the mandatory Rental Vehicle Coverage Endorsement, if our insured is driving one and gets in an accident?...

310183-00

Pickup load capacity
Is there a maximum load capacity for a pickup to be considered a rental vehicle?...

310184-00

Van seating capacity
What is the maximum number of passengers that a van can carry before it ceases to be a “rental vehicle”?...

310185-00

Motor homes
If a group of friends rent a motor home to drive throughout the country, are they covered with their private-passenger auto policy?...

310186-00

Rental vehicle—coverage territory
Puerto Rico is not listed in the territory of the Rental Vehicle Coverage Endorsement. Does this mean there is no coverage there? Does this mean......

310187-00

Coverage territory
A vehicle is rented within the U.S., its territories or possessions, or Canada and it is involved in an accident while being driven outside the......

310188-00

Renting in Mexico
Is there an endorsement a New York resident can purchase to protect themselves while renting a vehicle in Mexico?...

310189-00

Unauthorized drivers
Would you please clarify the situation where a driver is not listed on the rental vehicle contract, but is given permission to drive the rental......

310190-00

Who needs to rent the vehicle?
An individual from Connecticut rents a vehicle in Florida. She gives her daughter, who lives in New York and has a New York personal auto policy,......

310191-00

Insured—student at college
Would the Rental Vehicle Coverage Endorsement protect the named insured’s son while renting a car while away at college?...

310192-00

Rental coverage—who is an insured
Is there a difference between commercial lines versus personal lines regarding who is an insured?...

310193-00

Rental term—extended vacation
What if the insured is going on an extended vacation for 45 days? How will the insured be covered for the rental car?...

310194-00

Rental term
What if an insured rented a vehicle while in Florida for the winter for 60 days, and didn’t renew the agreement after the 30-day limitation,......

310195-00

Coverage limits
Does the property damage liability limit apply to the rental vehicle coverage?...

310196-00

Deductible
I have a personal-lines insured who has a New York auto policy with Company X. She rented a car outside of New York and was involved in a......

310198-00

Loss of use
Is it true that New York rental-car companies cannot charge any additional fees for loss of use or for “loss valuations?”...

310199-00

Valuation
It has been brought to my attention that most personal auto policies cover the actual-cash value of the vehicle, while some rental agreements may......

310200-00

Loss of use and fees
What if a New York insured rents a vehicle in another state that allows rental companies to charge for loss of use? Is there any coverage gap to......

310202-00

Accident notification
An insured, while driving a rental vehicle outside of New York state, has an at-fault accident causing damage to both the rental vehicle and......

310204-00

Duty after loss
In regard to duties after a loss, are you permitted to return the vehicle to the rental-car company even though it has not been inspected by the......

310205-00

Credit-card coverage
What’s the best credit card to use to rent a vehicle?...

310206-00

Qualifying vehicle vs. the rental vehicle
Please review the provisions that relate to the INSURED vehicle(s) and those that relate to the RENTED vehicle....

310288-00

Travel buddies
A customer of ours (they have a personal auto policy) asked the following question: We are renting a van to travel to Florida and are going with......

310307-00

New York rental car—credit-card coverages
I recently received a flyer from a credit-card company touting their new Rental Car Protection service for a flat fee every time you rent a car.......

310399-00

Rental vehicle for family member
Our client has a personal auto policy. A 24-year-old daughter is listed as a driver and resides in the household, but is not a named insured.......

310506-00

Rental cars—vehicle-sharing program
My client has a New York personal auto policy and will be renting a vehicle in Florida. Turo is providing the vehicle on a vehicle-sharing basis.......