What insurance is required for car rental in Florida?

What insurance is required for car rental in Florida?

**In Florida, the only insurance required by law for car rentals is the state’s minimum liability insurance coverage. This coverage includes $10,000 in bodily injury liability per person, $20,000 in bodily injury liability per accident, and $10,000 in property damage liability.**

1. Is it necessary to purchase additional insurance when renting a car in Florida?

It is not required by law, but it is highly recommended to purchase additional insurance to protect yourself in the event of an accident.

2. What additional insurance options are available for car rentals in Florida?

Additional insurance options include collision damage waiver (CDW), supplemental liability protection (SLP), personal accident insurance, and personal effects coverage.

3. Is my personal car insurance policy enough to cover me when renting a car in Florida?

It depends on your policy. Some car insurance policies may offer coverage for rental cars, but it is best to check with your insurance provider to confirm.

4. Do credit cards offer insurance coverage for rental cars in Florida?

Some credit cards offer insurance coverage for rental cars, but the coverage can vary. It is recommended to contact your credit card company to learn more about the coverage they provide.

5. Can I decline insurance coverage when renting a car in Florida?

Yes, you can decline insurance coverage, but it is important to understand the risks involved. If you decline coverage and are involved in an accident, you may be responsible for the full cost of damages.

6. Are there any age restrictions for purchasing insurance for car rentals in Florida?

Most rental car companies in Florida require drivers to be at least 21 years old to purchase insurance coverage. Drivers under 25 may also be subject to additional fees.

7. Do rental car companies offer insurance packages for international visitors in Florida?

Yes, rental car companies in Florida offer insurance packages for international visitors, but it is important to check with the rental company to ensure that you have adequate coverage.

8. Is uninsured/underinsured motorist coverage required for car rentals in Florida?

Uninsured/underinsured motorist coverage is not required by law for car rentals in Florida, but it is recommended to protect yourself in case you are involved in an accident with an uninsured or underinsured driver.

9. Can I purchase insurance coverage for rental cars in Florida after picking up the vehicle?

In most cases, you can purchase insurance coverage for rental cars in Florida after picking up the vehicle, but it is best to check with the rental car company for their specific policy.

10. Are there any restrictions on where I can drive with rental car insurance in Florida?

Rental car insurance in Florida typically covers driving within the state and neighboring states, but it is important to check with the rental car company for any restrictions on where you can drive.

11. What happens if I decline insurance coverage and get into an accident while renting a car in Florida?

If you decline insurance coverage and get into an accident while renting a car in Florida, you may be responsible for the full cost of damages, including repairs to the rental car and any medical bills.

12. Can I use my own insurance coverage to cover a rental car in Florida if I decline coverage from the rental company?

If you decline insurance coverage from the rental company, you can use your own insurance coverage to cover a rental car in Florida, but it is important to check with your insurance provider to ensure that you have the necessary coverage.

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