This is something you should consult directly with a NY lawyer. Generally, assets no; insurance, vehicles, activity at time of collision yes. Good luck.
Personal injury cases only; I'm good at it; you be the Judge! All information provided is for informational and educational purposes only. No attorney client relationship has been formed or should be inferred. Please speak with a local and qualified attorney. I truly wish you and those close to you all the best. Jeff www.nyelderinjurylaw.com
I don't know about Florida law but I don't think you are liable as you were not driving and were not the owner of the car. Under New York law the owner of a care is liable for the negligence of anyone operating the car with permission. However, I think New York may be the only state that has that law and federal law says that law doesn't apply to a rental car company.
I am a former federal and State prosecutor and now handle criminal defense and personal injury/civil rights cases. Feel free to check out my web site and contact me at (212) 385-8015 or via email at Eric@RothsteinLawNY.com. The above answer is for informational purposes only and not meant as legal advice.
Only your daughter is liable. Since your daughter is an insured under your policy, your insurance company will defendant and indemnify her in the claim. However, since you did not own the car she was driving, you are not vicariously liable for her negligence. The rental car's insurance ( usually they are self insured) would be primary and your policy would be secondary. Only your daughter's assets are exposed. They are probably just asking for an affidavit of no excess insurance from you where you attest that you have no umbrella or further coverage. Florida law is controlling here. The lawyers for your insurance company should be guiding you here.
Please note that this communication does not create and attorney client relationship.
Sign up to receive a 3-part series of useful information and advice about personal injury law.