NEW YORK AUTO INSURANCE GUIDE

New York Borrowed, Non-Owned & Rental Vehicles

This guide will address liability and first-party coverage issues involving permissive use, borrowed vehicles, non-owned autos, and rental cars in New York, including statutory owner liability, no-fault priority, rental-company issues, and priority among potentially applicable policies.

Publication review note — September 17, 2026. Verify current Vehicle and Traffic Law, rental statutes, no-fault priority rules, policy forms, and controlling decisions before publication.