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    « Worth a Listen: E&O Risks of Brokers vs. Agents | Main | Why Gov. Cuomo Vetoed the Certificates of Insurance Bill »

    November 13, 2013


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    Darald Novak AAI

    Tim, I was waiting to see "temporary substitute auto" (TSA) mentioned. Has that definition been dropped from the NY PAP? I had several of these claims as an agent over the years (80s and 90s)and the carriers considered the vehicle a TSA and applied the physical damage deductible of the vehicle that was being replaced by the TSA.
    That's if the insured had physical damage on their vehicle.

    Tim Dodge

    Dar, I would say that the Rental Vehicle Coverage Endorsement will not cover a temporary substitute auto unless the insured is actually renting it. The endorsement applies to autos rented for 30 consecutive days or less, but not to borrowed autos.

    The New York PAP does cover temporary substitute autos, but they would be covered for physical damage they way the insured's own autos would be -- i.e., covered only if the insured has bought Comp or Collision and subject to the deductible.

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