No, you don't need car rental insurance in Florida. Many people don't know if the rental car 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. The short answer is yes, you can rent a car without insurance.
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 with a 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. If you are at fault for the accident, the rental car company will hold you responsible for repairing the rental car to return it to the condition in which it was rented.
They will provide you with information on who to call to have it towed if you can't drive and where to take your rental car for repair. The rental car company is not responsible for paying for damage caused to the rental car if you were in a car accident. The Florida Supreme Court made this decision because of the number of rental vehicle accidents that occur in Florida each year. However, if you can prove that the rental car company was in any way negligent because of the accident, then they will be responsible for the damage to the rental car.
Many rental car customers assume that it's a way for rental companies to get more money from you, but if you don't have a car insurance policy of your own, buying rental car insurance with them can be very beneficial and will in fact save you hundreds of dollars in the event of an accident. Something that not many people know, especially people who are new to the car rental process, is that the credit card you use to rent the car could have coverage for you. When you check your own car insurance, checking if you have comprehensive and liability coverage is a good indicator that you have enough coverage for the rental car. However, for the single rental car, it wouldn't be worth it, since non-owner's insurance is your own car insurance policy with premiums.
If you have collision coverage and comprehensive coverage, it's likely that it will also accompany you to your rental car (again, it's an exception to car insurance that follows the car rule). Even though car insurance tends to follow the car, not the driver, the situation of renting a car is a typical exception to this rule. FOX RENT A CAR DOES THIS ALL THE TIME, I RENTED A CAR WITH THEM AND THEY TOLD EVERYONE THAT BUYING INSURANCE THERE IS MANDATORY AND SO IS ACE CAR RENTELTHERE, THE SISTER COMPANY. However, many car rental companies will suggest this coverage on the counter or online if a person plans to drive the car.
You'll also have to decline any car insurance coverage offered as additional insurance by the rental company at the rental counter in order to be eligible for car insurance offered by your credit card company. You generally don't need proof of insurance to rent a car, because you don't need personal auto insurance to rent a car. However, some car rental companies are suspected of imposing optional insurance policies on renters as if they were mandatory. If the person who drives a car and has an accident isn't listed in the rental contract in their name, their insurance company could deny coverage in this situation.
These rental companies have insured rental vehicles on their own with the state's minimum liability auto insurance requirements. If you don't have personal auto insurance, rental cars usually include liability coverage, although this is generally just the minimum state amount. When you make the payment at the rental car counter, the rental company will also offer you additional car insurance coverage for a daily fee while you use your rental car. .