No, you don't need car rental insurance in Florida. Car rental companies in Florida offer the minimum liability insurance required by the state. Many people don't know if the car rental insurance offered at the counter is mandatory or not. Florida requires car rental companies to have insurance for their vehicles.
However, there is no corresponding law that says that someone has to purchase additional insurance. In Florida, rental car insurance is not required by law. However, it is recommended to protect yourself in the event of an accident or theft when renting a car. Rental car insurance can be purchased from the car rental company or from your car insurance provider.
Do you need insurance to rent a car? You can rent a car without car insurance. When you rent a car, minimum liability coverage is provided automatically. You can get a higher level of coverage to make sure you don't pay for damages out of pocket. You can rent a car without having your own car insurance, as rental cars generally come with a minimum amount of liability coverage.
If you pay by credit card, your card provider probably also has some type of protection for rental vehicles. If you have your own car insurance policy, your coverage should extend to your rental car in the United States. It's also important to know Florida's no-fault insurance law, which requires drivers to have personal injury protection (PIP) insurance. If you own a car and live in a state where personal auto insurance is a requirement, you will have at least a minimum amount of liability coverage.
When you buy a new car in Florida, the time you have to notify your insurer may vary because there are no state laws that guarantee how much time insurance companies should give you to exchange your current policy for a new one. Each driver's personal circumstances will determine if the rental car insurance is worth it or not. The main car insurance policy can cover many of the basics of renting a car, but it won't cover loss of value, loss of use, or other rental expenses. In addition, most auto insurance companies won't cover you if you were driving abroad or if the car was used for business.
While car insurance tends to follow the car, not the driver, the situation of renting a car is a typical exception to this rule. If you already have car insurance, check with your insurance provider to see if it covers rental cars. If you have an accident while driving without insurance in Florida, you will be penalized for driving without insurance no matter who is at fault. This means that the same limits and deductibles that apply to your car should also apply to the car you rent.
In Texas, for example, if you don't have your own car insurance when renting a car, the cost of obtaining liability insurance from a car rental company is an additional cost. However, many car rental companies will suggest this coverage on the counter or online if a person plans to drive the car.