What are the American Car Hire Insurance Regulations (specifically florida)?

Question

Hello All,

I am going to the states (Florida) in a few weeks and have arranged a hire car through Dollar. I have just found out that the rate I have been quoted does not include insurance. Can anyone tell me how the car insurance system works over there? With UK car hire it is included as it’s compulsory to be insured, is this the case in the states or are the rules different? Do I need to arrange for a 3rd party to insure me/the car while on holiday?


Thanks In Advance!

Answer 1

Sorry but you are going to need full insurance (not sure of the price nowadays). It is a common practice that the people that sell cheap or free car hire will then charge the earth for insurance.

Take a look at this website www.uscarhire.co.uk

We always use them and have never found a better deal. Absolutely everything is included insurance wise, so the price they quote is the price you pay.

Contact your agent or Dollar to see how much insurance would be then check out the site above and you will probably find it is cheaper to use them than pay for insurance.

Another tip is to join Dollar Express (you can do it throught the site above). It is free to join and much quicker to pick up your car at the airport.

Hope this helps you.

Answer 2

You should worry more about health insurance.America does not have a national health service so be ready to pay cash.My friend nicked his finger on a can which required two stitches and was charged $300.He drove himself to the doctor which was wise because Americans are billed for ambulance service.The emergency number to call is 911 which is also the price.

Doctors require paperwork so be careful what you sign.One dentist gave me a waiver to sign after he numbed my mouth.Doctors here copulate with their staff so do not upset the pretty ones because the doctor will hear about it and use dirty instruments.My mother is a registered nurse and if you knew one personally you would just buy a cemetery plot like me.

Answer 3

It doesn't include insurance because they will try to sell you a few different kinds. Some will be mandatory (liability insurance) other will be optional (CDW). Here's a link I found adding a little more info. As was posted above, medical care can be expensive so that is something to keep in mind.
http://www.solarius.com/dvp/wdw/carcosts.htm
Have a great trip!
http://www.travel2florida.co.uk/gen_info/car_info.html

Answer 4

ahhhaa! thats the catch with these cheap fly drive deals....they give you a "free" car - but you have to buy your own insurance ... the CDW is useless - because in Florida - you could run into an irate Floridian - and their law states if a tourist upsets one of them - and they decide to give you a bit of road rage - they will always be in the right... and if you dont have half decent insurance - your F'ckd.