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Renting a car makes traveling easier, but insurance is important to consider if you’re planning on renting a car. The question is, can you rent a car without having auto insurance yourself?
In general, you can rent a car without carrying car insurance for yourself. The rental car company may offer a selection of rental car insurance and protection packages so that you are better protected, but you yourself do not need comprehensive car insurance to rent a car.
While you can rent a car without insurance, making rental cars extremely convenient in a pinch, rental car insurance may be recommended. If you do not have any sort of car or medical payment insurance, it can be worth looking into rental car insurance options. Typically, a car rental location will let you know about your rental car insurance and protection plan options.
If you are worried about not having any proof of car insurance, it is not a problem. You do not need proof of insurance to rent a car. Car rental places usually already have their fleet of cars covered by the necessary car insurance.
When driving on the road, it is natural to be concerned about what would happen in an accident. That is why people have insurance, to protect them from financial fallouts. However, what happens if you crash a rental car and do not have car insurance?
If you cause damage to the car that you rented, you may be forced to pay expenses. After the usual steps of dealing with the auto collision, such as calling 911 and exchanging contact information, you can call your rental car company’s emergency phone number to report the accident. The company may offer roadside assistance if your vehicle is not safely operational so that the damaged car can be towed to the necessary location.
Even though rental car insurance is not required when you sign up to rent a car, insurance coverage can still help immensely with any accident-related costs. If you have coverage such as liability insurance, personal effects coverage, or personal accident insurance, rental car losses and medical costs can be easier to bear.
If you purchased a collision damage waiver (CDW) from your rental car company, you should be covered even if you do not have insurance. However, this coverage can depend on if you were at fault for the accident. If you were driving recklessly or breached the rental agreement in some way, the CDW may not offer you financial protection.
It is important to note that these damage waivers do not usually include liability insurance, which means that if there are medical expenses, the basic CDW will not cover them. The rental car company may offer supplemental liability coverage, which can help out if you purchased this ahead of time.
You can rent a car without insurance locally. There are plenty of car rental options in Florida, including Alamo, National, and Enterprise. You do not need insurance in advance to rent a car. However, it may be in your best interests to procure rental car insurance just in case there is an auto accident.
Renting a car without insurance makes driving around more convenient, especially in critical times. You can rent a car from one location of a car rental company, and drop it off at another location of that company. Just be aware that if you rent a car without any insurance, a car accident can be costly.
Whether you’re a Floridian or just visiting for vacation, you do not need car insurance to rent a car in the Sunshine State. Rental car companies typically already have car insurance on their own vehicles so there is less work and expense on your end.
It can be confusing, then, the question of whether you need to purchase additional insurance at the counter. Car rentals offer protection plans and additional options to protect you better in case of an incident on the road. However, these options are not mandatory, and you can rent a car without owning any insurance. Like rental car companies in most states, Florida rental car companies already carry basic liability insurance coverage in their basic contract.
Do you need a collision damage waiver or additional rental car coverage? If you want absolute peace of mind, it can definitely be worth it to buy comprehensive rental car coverage when renting a car in Florida.
To see how Worth can reduce your risk.
