Information about auto insurance in New York, including coverage discussions, blog posts, podcasts, and New York laws and regulations on rental car coverage, premium surcharges, supplementarty uninsured motorist (SUM) coverage, no-fault (PIP) coverage, and the photo inspection ("CARCO") requirement.
A. Probably yes. It’s hard to say for certain without reading the actual policy form, but the ISO Personal Auto Policy does not contain exclusions for driving during a state of emergency for either liability or physical damage. A quick check of descriptions of other carriers’ forms did not reveal exclusions like that, either. Therefore, a typical PAP is likely to respond. What will happen to the premium at the next renewal is another story.
After the Love Is Gone, What Will Become of the Auto Insurance?
An Informal 4-Month Auto Rental: Does the Renter Have Coverage?
Can An Insurance Company Retroactively Charge For a Young Driver?
Does New York Rental Car Coverage Apply To a Borrowed Car?
No-Fault vs. Workers' Comp: Which One is Primary?
Ins. Law s 3440: Rental Car Coverage
Regulation 79: Automobile Photo Inspection
Regulation 100: Merit Rating Plans
Regulation 64: Unfair Claims Settlement
Regulation 35-D: Supplementary Uninsured