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Rental Vehicle Insurance New York NY

Reader’s Question:

I’ll be out on the road on official business and would have to rent a car. In case I get into an accident, will my employer’s insurance provider give me coverage or do I have to file the claim to my own insurance provider here in New York?

Gary

Islip, NY

If you will be out on the road on official business and would have to rent a car, you have to be certain that you inform the rental vehicle company that you are there for business. In case you get into an accident, the rental vehicle company know that they have to contact the insurance provider of your employer. In case that you will use the rental vehicle for both business and private reasons, the insurance provider would have to find out whether you were doing business during the accident. If you get into a crash during rush hour, it will be more likely that the insurance provider of your employer will give you coverage. But if it happens at 2 am, they will almost certainly not cover you for that.

In this case, your own car insurance coverage in New York would normally cover you if you are driving a rental vehicle. However, you need to make sure of that with your car insurance provider. That car insurance coverage must be useful in all of the states. Every policy would cover you and consequentially be adjusted to the minimum liability coverage for that state.

Tags: business car insurance, car insurance, rental car insurance