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Answer for the clue "One covering couples in car damaged in New York? ", 16 letters:
insurance policy

Word definitions for insurance policy in dictionaries

WordNet Word definitions in WordNet
n. written contract or certificate of insurance; "you should have read the small print on your policy" [syn: policy , insurance ]

Wikipedia Word definitions in Wikipedia
In insurance , the insurance policy is a contract (generally a standard form contract ) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial ...

Longman Dictionary of Contemporary English Word definitions in Longman Dictionary of Contemporary English
noun EXAMPLES FROM CORPUS ▪ A building society savings account may be held with a second competitor and an insurance policy with a third. ▪ A full guarantee comes with every Beaverbrooks purchase and a year's free insurance policy with your engagement ring. ...

The Collaborative International Dictionary Word definitions in The Collaborative International Dictionary
Insurance \In*sur"ance\, n. [From Insure .] The act of insuring, or assuring, against loss or damage by a contingent event; a contract whereby, for a stipulated consideration, called premium, one party undertakes to indemnify or guarantee another against ...

Wiktionary Word definitions in Wiktionary
n. A legal document outlining a particular insurance cover for an insured entity for a given risk.