No, you don't need car rental insurance in Florida. 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.
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. 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.
There are four main types of insurance coverage available when you rent a car and intend to get insurance. If you already have car insurance, check with your insurance provider to see if it covers rental cars. 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. Each driver's personal circumstances will determine if the rental car insurance is worth it or not.
FOX RENT A CAR DOES THIS EVERY TIME I RENTED A CAR WITH THEM AND THEY TOLD EVERYONE THAT TAKING OUT INSURANCE IS MANDATORY AND SO DOES ACE CAR RENTELTHERE, THE SISTER COMPANY. Drivers generally want to know about short-term car insurance if their teen is going to college, when they put their vehicle away, or if someone borrows their car. Even if you have it in your own car policy, they will only accept that you comply with your insurance card, not a screenshot in your phone app or a direct PDF email that you send them by email. If you already have car insurance, you may not need to buy rental car insurance because your policy must cover the costs in case you are involved in an accident.
You just need to make sure with your car insurance company that you have the right coverage for rental cars. 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. While there's no specific way to get temporary car insurance in Florida, MoneyGeek's research can help you identify several ways to buy the right coverage for your needs. In addition, most auto insurance companies won't cover you if you were driving abroad or if the car was used for business.
However, many car rental companies will suggest this coverage on the counter or online if a person plans to drive the car.