If I Wreck a Rental Car in Florida Will My Auto Insurance Pay?

Reader’s Question:

My new job requires me to travel a lot so I may have to rent a car if necessary. Will my car insurance here in Florida cover me in case of an accident in a rental car?

Darien

Miramar, FL

There are some things that you have to know about rental auto insurance before you do rent a car. Car insurance coverage differs from one provider to another. Certain insurance policies could not cover rented cars but others would cover the damage you may cause to any vehicle that you drive, including a rental car. Your auto insurance in Florida could also protect you against liability claims up to the policy limits.

Even if your auto insurance will give coverage, you have to find out exactly who is covered. You and other listed drivers on your auto insurance policy may be covered while driving a rental vehicle. And you can also check if other drivers may be covered as well. One good way to know for sure is to ask your insurance provider or broker. You may ask the rental company about insurance coverage that they offer if the people you are traveling with are not covered. You may also go over your auto insurance policy’s fine print to check if there are any restrictions to rental auto coverage. Certain policies could cover a rental vehicle only when your own automobile is stolen or being repaired.

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