Car insurance rental coverage

Theme parks, fabulous beaches, and creative hot spots make Florida an awesome vacation place. You can easily explore the cities and coast in the beautiful Sunshine State with a rental car. You can explore the amazing delights of its coastal cities and travel inland to explore the semi-tropical wetlands.

Read on to learn more about Car insurance rental coverage in Florida and what you can do if something terrible happens. All this happens if you have a stress-free and safe vacation trip with your rental car. It is so because many auto insurance policies also offer coverage for rental cars.

Types of coverages offered along with Florida Rental Car Insurance:

The type of Car insurance rental coverage offered by the companies can vary in Florida, but it typically includes the following:

  1. Liability coverage: If you’re at fault for an accident, this covers damages to third-party property and injury.
  2. Collision damage waiver (CDW) or loss damage waiver (LDW): This covers the damages to the rental car if you’re associated with the accident.
  3. Personal accident insurance: This covers the medical expenses for you and the passengers along with you if an accident happens.
  4. Personal effects coverage: This covers theft of any personal belongings in the rental car.

A few companies also provide these facilities:

  1. Roadside Assistance Protection: It gives you 24/7 breakdown assistance with a wide range of common events that result in the car becoming immobile.
  2. Emergency Sickness Protection: It covers you or your passengers if you get sick during the vacation, securing costly medical fees.

Cost of Car Insurance Coverage:

Following are the cost of Car Insurance coverage in Florida:

Companies Loss Damage Waiver Total Daily Rental Car Insurance Cost
Enterprise Rent-A-Car $30 $60
Budget Rent a Car $9 $31
Hertz $27 $53
Alamo Rent a Car $25 $44

Limitations Of Coverage:

In Florida, as in all US states, your car insurance rental coverage is limited to your territorial restrictions. This includes the state you pick for your vehicle and the surrounding states.

Do I need additional Car Insurance Rental Coverage?

It always depends on how much coverage you choose. Car insurance rental coverage in Florida can cost mostly $50 per day. So, whether or not Car insurance rental coverage is worth the money depends on each driver’s situation. Let’s suppose you don’t have any collision coverage or an auto insurance policy at that time. In that case, buying a rental insurance policy can be a good idea.

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Car insurance rental coverage

Check your Auto Insurance Policies:

Every driver needs to review the terms and conditions of the company’s rental car and its insurance policy. Then compare the costs with your auto insurance coverage or different Car insurance rental coverage companies before purchasing rental car insurance. If you already have auto insurance, then also check your insurance provider to see if they cover rental cars.

It’s also important that every driver even rental car holder in Florida should be aware of no-fault insurance law, which requires to carry personal injury protection (PIP) insurance. This type of insurance covers medical expenses and other lost wages in an accident case, regardless of who is at fault.


Q.1) Who is responsible for a rental car if an accident happens?

Ans. In Florida, the at-fault driver’s insurance company is usually responsible for paying for the accident cost.

Q.2) Do I need to get insurance for a rental car?

Ans. If an accident arrives, then if you get covered under insurance it can provide coverage for the loss or damage.

Q.3) Which car rental has the cheapest insurance?

Ans. Budget Rent a Car provides the cheapest insurance but Enterprise Rent-A-Car is more reliable.

Q.4) In Florida liability insurance is required for rental cars?

Ans. Car insurance rental coverage in Florida is required by state law to provide the minimum liability insurance coverage. Rental companies provide $25,000 in PDL coverage per accident where PIP is mandatory.

Bottomline on Florida Rental Car Insurance:

In summary, Car insurance rental coverage in Florida can provide peace of mind while you are enjoying your vacation or trip. You just need to review the available options and making an informed decision based on your specific needs, requirements, and circumstances is essential.

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