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Auto Insurance

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Auto Insurance

​​​​​​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") req​uirement​.​



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​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Q. Does a Personal Auto Policy Cover Driving During a State of Emergency?

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.


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