CARMAKERS LIMIT NEW YORK LEASES
General Motors, Ford and DaimlerChrysler are among nearly dozen automobile makers and roughly 40 financial institutions that have decided that financial risks of leasing cars in New York State are too high; reason is 1924 law that holds owners of vehicles responsible for accidents, even if car is not in their possession; law has been invoked in increasing number of lawsuits against carmakers whose leased vehicles are involved in accidents; automotive industry has implored lawmakers to amend or repeal law; trial lawyers say problem is not law, but automakers exaggeration of risks they face (M)