If you do not own a car, but a relative in your household does, you may file a claim under that policy. All auto insurers in New York currently provide rental vehicle coverage without any extra charge. If, in the future, an auto insurer elects to charge for this coverage, its policyholders would then have a right to reject it. Car rental agreements vary from rental company to rental company. But as a matter of financial responsibility, all companies must provide whatever coverages are required by law.
Many rental companies offer higher liability limits at an additional cost.
This is separate from any other coverage and usually covers losses only in excess of amounts collectible under other existing coverages. It should be noted that credit card companies do not extend this coverage to all vehicles. You may wish to check with your credit card company to verify exactly what protection it provides and what types of vehicles are covered. Coverage under these agreements are regulated under the New York State Insurance Law and must be underwritten by a licensed New York State insurer.