No, you don't need car rental insurance in Florida. Car rental companies in Florida offer the minimum liability insurance required by the state. 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. 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. It's also important to know Florida's no-fault insurance law, which requires drivers to have personal injury protection (PIP) insurance. Whether you're visiting another state or you've had a car accident, renting a car comes with some important questions.
You just need to make sure with your car insurance company that you have the right coverage for rental cars. If you already have car insurance, check with your insurance provider to see if it covers rental cars. Because you have to present proof of insurance before you can take possession of a newly financed car, some insurers extend comprehensive and collision coverage to current customers in good faith, regardless of whether their current policy has that type of coverage. However, you should check with your insurer to ensure that you will be covered for injuries associated with a car accident in your rental vehicle.
If you already have a personal car insurance policy that includes other types of coverage, such as collision or comprehensive coverage, or liability limits higher than what your state requires, the additional protection will extend to your rental car. Consequently, compare the costs with your car insurance coverage before buying rental car insurance. If you pay with cash or buy a car directly from a private seller, you probably won't be asked to present proof of insurance to take possession of the vehicle. 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.
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. The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage. However, many car rental companies will suggest this coverage on the counter or online if a person plans to drive the car. This includes the coverage provided by the personal auto insurance agency, the make and model of the car, the country where the car is rented, and the credit card used to reserve the vehicle.
For example, you can take out car insurance to drive in Mexico if you're planning a trip south of the border.