Will my car insurance coverage here in Palm Beach, Florida extend to a rental car? If the money I paid for a rental car already includes insurance and I get into an accident, which insurance will cover the damage?

Agustín

Palm Beach, FL

The collision coverage in your own car insurance policy in Palm Beach, Florida would probably provide coverage for damage you cause to any vehicle that you drive, as well as a rental vehicle. But a lot of car insurance policies state that your personal collision coverage is “excess” to whichever coverage, which means that any coverage you purchase from rental vehicle company come in first. Furthermore, your personal collision coverage needs you to pay a deductible and your insurer pays the remainder up to your coverage limit.

The comprehensive coverage would probably extend to whichever rental vehicle you’re driving and provide coverage for theft, vandalism, storm, etc. Also, your own comprehensive insurance is excess and you have to shell out some amount for your deductible.

For an accident in which you were at-fault, your auto liability coverage would pay for the damages you bring about to another person/s, as well as any medical bills from your carelessness. The liability coverage would pay up to the maximum value of your policy and in case you are driving a rental car when you got into an accident, your own liability coverage would also be excess.