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Buffalo New York Insurance Defense Blog

What Airbnb’s Host Protection Insurance Actually Covers

More and more travelers are deciding to forego the option of a standard hotel and looking into a rising trend: the Airbnb stay. Instead of the usual option of turndown service or continental breakfast, travelers for both leisure and business are considering larger options of unique condos, luxury houses and even villas. There is even the option of renting an Airbnb for an extended period of time.

But what does this mean for the “hosts” who are opening up their properties to complete strangers? Becoming an Airbnb host certainly does not provide any premises liability immunity. But are guests required to provide their own liability insurance? Or is Airbnb? That is where the liability coverage issue lies.

Self-Driving Cars: The Future For The Insurance Industry

The notion of a self-driving car is no longer a far-fetched fantasy or some scene from a movie about the future. The reality of vehicle autonomy is very much a technology of today. Self-driving cars are now beyond the makings of just Tesla, as a British company recently announced the development of a new chip. The Arm Cortex-A76AE is said to be a game-changer, possibly bringing fully self-driving cars as early as 2027. The company boasts the chip could be the beginning of the future for full autonomous technology with safety being its number one priority.

However, even when driver safety is at the forefront of this sweeping technology, there is always room for error and then of course accidents and injuries. What does the potential for a major increase in self-driving cars mean for the insurance industry? Will there be just as much of an impact on insurers as it will be for drivers?

Premises liability defenses: part 2

This is the second in a series that is looking at the different types of defense tactics a property owner and their insurance defense team may use while battling a premises liability case. In the first post, we discussed the assumed risk defense. Now, we will examine contributory negligence.

Premises liability defenses: part 1

This series will dive into different defense tactics that property owners and their insurance defense team may be able to use during premises liability cases. First up is the assumed risk defense.

Injuries occur on properties often, but the property owner is not liable for all injuries. At times, the injured are responsible for their own actions, thus releasing the property owner from negligence.

How will electronic logging devices impact litigation?

Commercial motor insurers and carriers should be aware that in 2017, Congress solidified the law that requires commercial vehicles to be equipped with electronic logging devices. These devices monitor driver logs, including driving hours as well as other features such as front and rear cameras.

Autopilot mode making waves in the auto insurance industry

Telsa's autopilot feature has resulted in the death of a Florida man. One of the first deaths of its kind, the semi-automatic driving feature may make the auto insurance industry scrutinize the new technology in cars.

The Complexities Of Rideshare Insurance Coverage In New York

Navigating new rideshare laws and their impact on insurance coverage disputes has become increasingly more complicated. With the passage of legislation last year, rideshare companies such as Lyft, Uber and Ride are mandated to provide vehicle liability insurance of $1.25 million per occurrence once a passenger is being driven. The law describes a rideshare driver as a TNC ("Transportation Network Company") driver and the passenger as a TNC passenger. But what happens if the accident occurs while a TNC driver is driving to pick-up the TNC passenger? What coverage then applies: the personal liability insurance or the mandated insurance?

Self-driving cars raise new issues for drivers and insurers

When automakers starting testing self-driving vehicles, New York was the only state with a law that potentially restricted the technology. According to Consumer Reports, there is a state restriction which stipulates NY drivers must have one hand on the wheel while the vehicle is moving.

Though this doesn't explicitly restrict autonomous vehicles, it certainly implied driverless cars were not legal in the state. However, New York passed a bill that temporarily permitted self-driving cars to be tested. The law initially allowed this testing for one year, but deadline was extended for another year, just before the expiration on April 1 of this year.

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Hagelin Spencer LLC has offices conveniently located in Buffalo, Rochester, Syracuse, and Garden City. While our firm is large enough to have the resources necessary to satisfy even the largest corporate client, our attorneys do not lose sight of the importance of building a strong relationship with everyone we represent.

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