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  1. Lowe’s or Home Depot trucks | Ask PIA

    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 do rent trucks of different types and sizes. Would such vehicles be covered for physical damage under the Rental Vehicle Coverage Endorsement—New York?

    It makes no difference that renting vehicles is not the sole, nor even the major business that Lowe’s or Home Depot engages in. The red flag is the word “truck.” Most trucks that you can rent will NOT meet the “rental vehicle” definition in the endorsement. It must be “a...

  2. Pickup load capacity | Ask PIA

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

    No. There is no specified limit on the load capacity of a pickup in order to be covered under the Rental Vehicle Coverage Endorsement—New York (PP 03 46).

  3. Loaner cars | Ask PIA

    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?

    “Rental vehicle” means a motor vehicle ... owned by a person engaged in the business of renting or leasing vehicles, rented or leased without a driver to persons other than the owner, and is registered in the name of such owner. The term “rental” implies payment for the use of...

  4. Motor homes | Ask PIA

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

    An operator of the rented vehicle will be covered for liability on that person’s personal auto policy. Such person is an insured “for the ownership, maintenance, or use of any auto or trailer” not otherwise excluded. However, this is excess coverage.  If there is a “group,” presumably only one individual...

  5. Rental vehicle—coverage territory | Ask PIA

    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 that in Kentucky, Massachusetts, Pennsylvania and Virginia, coverage is not extended, as they are commonwealths not states?

    Coverage applies equally to vehicles rented anywhere in the U.S., its territories or possessions and Canada. The states that historically refer to themselves as “commonwealths” do not differ from other states for the purpose of this endorsement; they are “in the U.S.” Puerto Rico became a commonwealth in 1952, but...

  6. Coverage territory | Ask PIA

    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 coverage territory. Will the New York Rental Vehicle coverage endorsement provide coverage?

    According to ISO endorsement PP 03 46 01/20, the vehicle must be rented in the U.S., its territories or possessions or Canada to provide coverage when the vehicle is operated anywhere in the coverage territory. If your insured rented a vehicle in San Diego and drove it into Mexico, the...

  7. Renting in Mexico | Ask PIA

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

    There is no standard endorsement, but check with your insurers.

  8. Unauthorized drivers | Ask PIA

    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 vehicle by the insured. We understood that the endorsement would provide coverage in this situation. Is this correct?

    Whether the rental car company authorized the driver or not, it will not affect the rental vehicle coverage as long as the insured gave permission to the operator. Further, the insurer will not subrogate against a permissive operator in the event the operator’s negligence caused the damage. Note that operation...

  9. Who needs to rent the vehicle? | Ask PIA

    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, permission to drive. The daughter gets into an accident. She is not a party to the contract with the rental car company. Will her...

    For the Rental Vehicle Coverage Endorsement PP 03 46 to apply, the insured (or covered relative) must rent the vehicle. On the other hand, Part D coverage of the Personal Auto Policy PP 00 01 will respond because she is driving a “nonowned auto” (that has not been rented by...

  10. Insured—student at college | Ask PIA

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

    Yes. An “insured” under the Rental Vehicle Coverage Endorsement includes a “relative” who regularly resides in the named insured’s household—even if temporarily living elsewhere.

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