Can you rent a car in Florida without car insurance?

WalletHub, Financial Company No, you do not need rental car insurance in Florida. As is the case in most states, rental car companies in Florida provide the minimum state-required liability insurance coverage as a part of their basic contract.

What insurance do you need when renting a car in Florida?

Property damage liability insurance and PIP (personal injury protection) insurance are mandatory in Florida. I suspect some car rental companies include this (very) basic coverage in their quoted rates. But perhaps some don’t – so their rates can appear cheaper.

Do rental cars include insurance?

If you carry comprehensive and liability coverage on your personal car, coverage typically will extend to your rental car within the United States. If you’re renting a car in the U.S. of similar value to your personal car, in all likelihood your auto insurance coverage will be adequate for the rental.

Is CDW mandatory?

What Is a Collision Damage Waiver? A collision damage waiver (CDW) is additional insurance coverage offered to an individual renting an automobile. A collision damage waiver is optional, with the cost of the waiver dependent on a variety of factors, including the type of rental car and where the car is being driven.

Can car rental companies force you to buy insurance?

States require car rental companies to carry insurance on their vehicles. Optional damage waivers are strongly encouraged by car rental companies, even though customers may already be covered by auto insurance, a credit card or travel insurance. The policies can routinely double the cost of your rental.

What is loss/damage waiver national?

Loss Damage Waiver, also known as LDW, is an optional product that waives your financial responsibility for any loss or damage incurred to the rental vehicle, provided you have not violated the Rental Agreement’s Terms and Conditions.

What is CDW tourism?

Collision Damage Waiver (CDW) is similar, but limited to collisions.

Can you decline rental car insurance?

You may not realize it, but it’s possible that you can decline Collision Damage Waiver (CDW) insurance coverage every time you rent a car. If you own a car, your insurance likely already covers damage when you rent a car, too. Keep a copy or image of your coverage with you.