Legal Question in Civil Litigation in New York

Re: auto accidents

If you were in a car accident, and your passengers were injured, you would certainly be brought in as a defendant - whether or not the accident was your fault.

However, if you must take the trip, rental car companies offer Supplemental Liability Insurance (SLI) for an additional fee. This covers you up to $1 million. Barring a catastrophic accident, this would keep you covered.

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Re: auto accidents

It sounds as though you are traveling in the course of your employment. If that is the case, then your co-employees remedies would be limited to workers compensation, in the event of an accident on this trip. If this is not actually employment, but only traveling with co-employees, then your liability for an accident driving

a rental car is over and above insurance.

If you have an accident with another vehicle, workers comp would not be involved, and any potential liability would be yours, your insurers and the rental company.