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. 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 injured in a car accident, your health insurance policy will cover your medical expenses while traveling within the U.S. UU. If you pay cash or buy a car directly from a private seller, you probably won't be required to present proof of insurance to take possession of the vehicle. If you're a car owner, you may decide to buy a car insurance policy with full coverage and then cancel it within six months.
Some insurance companies sell rental car insurance as a standalone policy that you can purchase before your trip. 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. Each driver's personal circumstances will determine if the rental car insurance is worth it or not. With so many options for car insurance companies, it can be difficult to know where to start to find the right car insurance.
Your car insurance deductible will apply if you need to file a car insurance claim for a rental car under your collision or comprehensive coverage. However, many car rental companies will suggest this coverage on the counter or online if a person plans to drive the car. MoneyGeek evaluated situations that could cause the need to purchase temporary auto insurance in Florida. You may already have adequate coverage through your PIP and MedPay coverage in your personal auto insurance policy and through your health insurance policy.
You may already have adequate roadside assistance coverage through your personal auto insurance policy, credit card, or auto club (such as AAA). After renting a car on the Travelocity website, waiving insurance and paying for the car rental, Zezgo refused to give me the car if I didn't get their insurance, even though I provided them with my car insurance policy and a car rental clause. That's why it's important to find out how much time you have to contact your insurance company and what coverage your new car will have according to the specific details of your policy. Travelocity (Expedia) offered me a rental car through Zezgo.
When I searched and decided on the rental car with Zezgo, the Travelocity website offered insurance, but I gave it up because I have full coverage that covers the rental of the car, and I presented proof.