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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

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.

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...