The New York State Insurance Department issued two informal decisions in June 2005 addressing insurance and rental automobiles.  The first decision answers in the negative the following inquiry: May an insurer make payment out of the collision portion of an insured’s policy and take a deductible?  The second decision answers in the affirmative the following question: May a rental vehicle company hold the person to whom a vehicle was rented in 2002 liable for the entire loss of the vehicle (where the vehicle is stolen) or is his or her responsibility limited to $100?