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  1. #1
    Join Date
    Oct 2012

    Default Caused an Accident in a Rental Car - Who Pays for Repairs

    My question involves an injury that occurred in the state of: Florida
    I live in Canada.

    Rented a car from Fox car rental.

    They never asked for my policy number or car insurance from Canada.
    I said I had insurance in Canada, not sure if it covered me here.

    They sold me their cheapest insurance plan
    Purchased Loss Damage WAVER 18 / day
    - they waive the right to charge me for damages on their car.

    2. Got in an accident.
    I rear ended another rental car.
    My car is in bad shape.
    His car is not bad. wheel dropped off back of suv, bumper damaged minorly.

    3. Fox Rental Car says:

    Insurance does not cover me for the damages on the other car.


    How can they let me on the road, without insurance covering the counterparty's car?
    Wouldn't that be illegal?

    5. What should I do?
    Call up my own insurance co. in canada?

    Will I have to pay for the damages on the counter party personally?
    How do I negotiate with Hertz insurance company on their claims against me for damages?

    Rental Car Company Claims:

    they are not liable for the damages caused on the other vehicle

    - - - Updated - - -

    I am registering a vehicle for the first time in Florida. Is automobile insurance mandatory?

    Yes. If you own a vehicle with at least four wheels and are registering it, you must have Florida insurance.

    What type of insurance is required to purchase and maintain a Florida license plate and registration?

    Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida license plate.

    Right here, it should show that the rental car has insurance.

  2. #2
    Join Date
    Sep 2005
    Behind a Desk

    Default Re: Caused an Accident in a Rental Car - Who Pays for Repairs

    When you cause an accident, you are responsible to pay for the damage you cause. If you choose not to carry sufficient insurance or any insurance at all, that's on you. Of course you should check with your insurance company to see if they offer any coverage for the money you owe.

    You negotiate by offering a lower amount of money than the other party is demanding, and seeing how they respond.

  3. #3
    Join Date
    Sep 2011

    Default Re: Caused an Accident in a Rental Car - Who Pays for Repairs

    Your Canadian insurance might cover you, depending on how they handle at fault collisions/property damage in relation to their standard no fault support. The credit card you hopefully used, will likely have insurance coverage also. Make sure you comply with the requirements. Notification must be timely I believe.

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