Does Florida Auto Insurance Cover Rental Car Accidents?

If you’re traveling in Florida, you may find yourself with the occasion to use a rental car. Taking this option can make your trip far more convenient and rental car companies are great these days about providing as many services as necessary to make your experience as enjoyable as possible. However, if you don’t know about Florida auto insurance rental car accidents, your enjoyment will be short. So before you rent a car in Florida, be sure you continue reading the rest of this article or check out this site to read up on Florida auto insurance laws..

Renting a Car

There are a number of things that go into renting a vehicle in Florida, about the offer of insurance is almost always part of it. Depending on whom you speak to, this is either tantamount to a scam or an easy decision to spend a few bucks in order to potentially save yourself a lot of money in the worst case scenario. The truth is that there are a number of things to consider to best make this determination.

Call Your Agent

If you have a license and drive in Florida, you should have auto insurance. If you don’t, that should be your main concern far before trying to figure out Florida auto insurance rental car accidents. You could face a serious fine or ticket if you’re pulled over without insurance and probably won’t be able to rent a car anyway. I would visit a website like this one where they can quote you on every available insurance rate.

However, if you have an insurance agent, you should give them a call whenever car rental is a possibility in your future. That’s because your current insurance policy may already cover car rentals, making the step a redundant one.

That being said, every policy is different. So the actual coverage you’ll receive is going to be different too when it comes to deductibles and other details. So make sure your agent spells this all out for you. Even if you already have a policy, some form of Florida auto insurance rental car accident may turn out to be a good idea.

Check with Your Credit Card Agency

You may be surprised to find out that your next call after speaking to your insurance agency should actually be your credit card agencies. That’s because a number of these companies actually offer their own form of rental car insurance. Just check for the customer service number featured prominently on the back of your card.

That being said, credit cards have limits on how long they’ll cover your rental car for, though it generally lasts for at least two weeks. Furthermore, they usually provide what is known as secondary coverage. This means, in the event of an accident, they’ll insist you first run your claim through your insurance company, the rental car agency, etc. before turning to them.

So the next time you’re renting a car, the truth is that it actually probably doesn’t pay to buy the insurance. However, it absolutely will pay to first do your homework on the matter. Review the above information to find out if you’re already covered or what your best option will be for insurance. If you fear you may not be covered, check out to get a quote on a new policy that will cover you in this type of situation.