Liability (aka civil liability) – Car insurance in the US
This insurance is MANDATORY for all. When Americans rent a car, they always use their insurance, which perfectly covers them. Exactly about this, coming to the car rental desk at the airport, you have a chance to refuse to add.
Insurers and a clerk who gives you a car will put in a contract that you refused their insurance. But when you stop by the police or, God forbid, an accident, you will be asked to provide it. If you do not have it, then it immediately becomes a criminal offense.
When you book a car on all major sites, you see the price only for cars! CTP insurance is usually not automatically included. For large agencies, it is given for $ 14 per day. So consider this in advance.
Collision Damage Waiver (CDW – or in our understanding, CASCO) – Car insurance in the USA
This extra insurance covers the car you drive. In the event of an accident, regardless of the fault, all claims against you will be limited to the size of the franchise (from 0 to $ 1,000). All major sites sell this insurance for $ 10 per day and direct rental companies for the most cost ($ 15-25 per day). The difference is that if the car is damaged, you will have to deal with the insurance and rental company in the first case, or only with the rental company, if you purchased this insurance directly. In the latter case, you will be given a replacement immediately and you will continue your journey.
Should I take full insurance – you decide. It must be borne in mind that in Florida, 24% of people drive a car without any insurance. Accordingly, the police check the availability of insurance more meticulously, and paying for CASCO insurance can be a good idea.
When buying a car, you will need insurance at the stage of registering it. This insurance with Russian rights will cost you from $ 180 to $ 250 per month, if you pay immediately for 6 months. And this is only CTP. There are only a few companies in this state that work with foreign drivers, so you will not notice much competition in pricing. Casco will be a little more expensive.
Even experienced drivers can get lost in a new unfamiliar environment. There are a lot of tourists in the southern part of Florida, and this is considered to be one of the most dangerous places in the USA. In any case, we wish you a trouble-free ride!