No, you don't need car rental insurance in Florida. Florida also requires drivers to have personal injury protection (PIP). 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 loss damage exemption limits your liability for damage to the vehicle, including protection against theft, and helps you avoid high costs. Supplemental liability insurance covers you in the event of an accident with a third party while using the rented vehicle. 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 had 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 you will be responsible for the damage to the rental car.
If you're a car owner, you can get temporary car insurance if you buy a six-month policy and cancel it before it expires for a refund. Non-homeowners insurance is the most affordable policy for drivers who don't own cars but need to file an SR-22 with Florida. Whether you're visiting another state or you've had a car accident, renting a car comes with some important questions. The main thing to remember is that when you rent a car, you are contractually obliged to return it in the same condition in which you received it.
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, members of your household will need to be added to your insurance policy if they intend to drive their car regularly. The collision damage exemption only covers damage to the rental vehicle, so all medical expenses must be covered by your PIP or the at-fault driver's insurance. MoneyGeek collected temporary and non-homeowner auto insurance quotes in Florida in partnership with Quadrant Information Services.
If you don't own a car but need proof of insurance before your suspended license is reinstated, buying car insurance for people who don't own the owner may be the best option in Florida. MoneyGeek evaluated situations that could lead to the need to purchase temporary auto insurance in Florida. It's also important to know Florida's no-fault insurance law, which requires drivers to have personal injury protection (PIP) insurance. While the standard minimum duration of car insurance is usually six months, MoneyGeek also determined the costs of policies with lower time periods, including 90- and 30-day policies.
However, many car rental companies will suggest this coverage on the counter or online if a person plans to drive the car.