Renting a car while traveling, or for any reason, can be a convenient and efficient way to get around. However, accidents can happen, and it is essential to understand what to do in the event of a car or truck accident with a rental car in Florida. Car rental companies typically have insurance policies, and the state of Florida also has its policies and requirements that govern rental car accidents and that experienced Orlando car accident attorneys are familiar with.
In this blog, we will discuss the policies and regulations surrounding rental car accidents in Florida, including liability coverage, insurance options, legal obligations, and common mistakes to avoid. By understanding these policies, you will know what to do should you find yourself in an accident while driving a rental car in Florida and need an Orlando truck accident attorney.
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Understanding Florida’s Rental Car Accident Policies
When you rent a car in Florida, knowing the policies in case of an accident is a must. The state has unique policies regarding rental cars and accidents, which you must understand before you hit the road.
Florida law requires drivers to carry a minimum amount of liability insurance. However, rental car policies can be different from your personal insurance policy. If you get into an accident with a rental car, you must follow the rental company’s policies, which may include purchasing additional insurance coverage. It is always a good idea to consult with an Orlando car accident attorney before doing anything.
In Florida, the driver is typically responsible for any damage or injuries caused while driving a rental car. However, if the driver is not the person who rented the vehicle, the rental car company may hold the renter responsible for any damages.
Liability Coverage in Florida for Rental Car Accidents
Liability coverage is essential because it pays for damages or injuries you cause to another person or their property while driving. When renting a car in Florida, there are two types of liability coverage: primary and supplemental.
Primary liability coverage is mandatory for rental cars in Florida. It covers up to $10,000 for property damage and $10,000 for personal injury damages. However, this may not be enough coverage, and as any Orlando truck accident attorney would recommend, you may want to consider purchasing supplemental liability protection.
Supplemental liability protection provides additional coverage beyond the primary liability coverage. It can increase your liability coverage to up to $1 million, depending on the policy you decide to purchase. This additional coverage can give you peace of mind that you have enough coverage in case of an accident.
Exclusions and Limitations of Liability Coverage in Florida
Liability coverage in Florida may have exclusions and limitations. For example, liability coverage does not cover damage to the rental car or any injuries to the driver or passengers in the rental car. It is crucial to read and understand the rental car policy carefully. Always consult with Orlando car accident attorneys before making a decision.
When renting a car in Florida, you have different insurance options, including rental car insurance and personal auto insurance coverage.
Rental car companies offer different insurance options, including collision damage waiver (CDW) and personal accident insurance (PAI). CDW covers any damage to the rental car, while PAI covers any injuries to the driver or passengers.
Personal Auto Insurance Coverage for Rental Cars in Florida
Your auto insurance policy may also cover rental cars. You must check with your insurance provider to know what is covered and what is not covered. If your policy does not cover rental cars, you may want to consider purchasing additional coverage from the rental car company.
Rental car companies are responsible for the maintenance and inspection of their vehicles to ensure they are safe to drive. Additionally, as any Orlando truck accident attorney would know the rental companies have liability for any accidents that occur while the rental car is in use.
Rental car companies may be held liable for any damages or injuries caused by their rental cars. They may be responsible for damages to the rental car, damages to other vehicles, and injuries to drivers, passengers, or pedestrians.
Duty to Maintain and Inspect Rental Cars in Florida
Rental car companies must maintain and inspect their vehicles. If they fail to do so, and an accident occurs, they may be liable for any damages or injuries. Rental car companies must maintain their vehicles regularly and ensure they are safe for drivers to operate.
Florida law requires that all rental car accidents be reported to the police, regardless of whether or not anyone was injured. If someone gets injured or killed, the rental car company must be notified immediately, as well as the appropriate authorities. Failure to report the accident can result in criminal charges. Have contact information for an experienced Orlando car accident attorney at hand because you never know when you will need it.
If a rental car accident involves property damage that exceeds $500, it must be reported to the Florida Department of Highway Safety and Motor Vehicles within ten days of the accident. If anyone was injured, the report must be filed within 24 hours. Failure to report the accident can result in your driver’s license getting suspended as any Orlando truck accident attorney would point out.
Statute of Limitations for Rental Car Accident Claims in Florida
In Florida, the statute of limitations for personal injury claims resulting from a rental car accident is four years from the date the accident occurred. As an experienced Orlando car accident attorney would let you know, if you fail to file a claim within this time frame, you could lose your right to compensation.
If you are involved in a rental car accident in Florida, you must take the following steps:
1. Check for injuries and call 911 if necessary.
2. Move the vehicle(s) to a safe location if possible.
3. Exchange contact and insurance information with the other driver(s) involved.
4. Take photos of the scene and any damage.
5. Contact the rental car company to report the accident.
6. Contact your insurance company to report the accident.
To file a rental car accident claim in Florida, you need to contact the rental car company’s insurance provider. They will guide you through the claims process and what documentation is required. The rental car company’s insurance policy may not cover all damages or injuries. It is important to review your personal insurance policy to understand your coverage.
Common Mistakes to Avoid in Florida Rental Car Accidents
Rental car accidents can be confusing and stressful. Here are some common mistakes to avoid:
1. Not reviewing the rental agreement thoroughly.
2. Not purchasing additional insurance coverage if needed.
3. Not inspecting the vehicle for damage before leaving the rental lot.
4. Not reporting the accident to the police or rental car company.
5. Admitting fault or apologizing at the scene of the accident.
6. Not seeking medical attention if you’re injured.
7. Not contacting your insurance company.
8. Not hiring an Orlando car accident attorney.
In conclusion, understanding the policies and regulations regarding rental car accidents in Florida can help you protect yourself should an accident occur. Always check the rental car company’s policies and insurance options before renting a car, be aware of your legal obligations and rights in the event of an accident, and contact an Orlando truck accident attorney as soon as possible. By following these guidelines, you can ensure a safer and more comfortable rental car experience in Florida.
