Your plane touched down in West Palm Beach and you’re in line at the rental car counter. When you get up there, the agent is going to ask if you want to get the insurance. You have your own policy back home. You don’t need any extra, right?
You just might. For instance, many auto insurance companies cover the rental cars driven by their customers — but not all do. If you live in a state where the liability minimums are very low, and you have no additional coverage, a catastrophic wreck could leave you facing financial liability.
What to know before you go
No matter where your travels may take you, it is always good to check your homeowner’s health and auto insurance policy coverage and exclusions. If your travel plans include a rental car (and remember that plans can change), double-check that your auto insurance covers any damage that you cause or incur in a rental. Consider adding a rider specifically for this purpose.
What happens if you get hurt in a Florida car wreck?
If a negligent driver causes a wreck that injures you or your loved ones, you have recourse under the laws of this state to seek civil damages from them. If you are married and have dependents, it may be possible for your spouse to seek damages for loss of consortium on behalf of themselves and any children.
What steps to take after a car accident in Florida?
Seek medical attention at once. Learning more about the laws can help you determine what your best options are after suffering injuries in an accident.