The terms on Chase Sapphire Reserve car rental insurance benefit have changed for New York state residents: they are no longer eligible for “primary” car rental insurance coverage on US car rentals. They’ll still have standard car rental insurance coverage, similar to how most credit cards offer; just the special primary coverage that the Sapphire Reserve card always offered is changing for NY residents.
New York Residents, inside the United States coverage is primary unless you have personal automobile insurance in which case it is excess.
https://www.doctorofcredit.com/changes-on-chase-sapphire-reserve-car-insurance-benefit-new-york-ireland-more/
