Damage to a rental car is paid in New York under which of the following coverages?

Damage to a rental car in New York is typically covered under the insured's physical damage coverage. This type of coverage extends to vehicles that the insured operator has rented or borrowed, safeguarding against loss resulting from incidents such as collision or theft while the vehicle is in the insured's possession.

Physical damage coverage can include comprehensive and collision coverage, which protect the rental vehicle against a variety of risks. It's important for drivers to have this form of protection if they frequently rent vehicles, as it ensures they won't be liable for the full cost of repairs or replacement out of pocket should any damage occur during the rental period.

The other options represent different types of coverage or stipulations related to insurance. Property damage coverage generally pertains to damage caused to another person's property and does not typically include rental vehicles unless specified. A special endorsement could refer to additional coverages or modifications to existing policies but is not the standard method for covering rental car damage. Lastly, relying solely on the rental agency for insurance can lead to incomplete coverage or higher costs, as their offered policies may not provide comprehensive protection like the insured's physical damage coverage can.