Insurance Requirements
Understanding insurance coverage is essential for a smooth rental experience. Here's what you need to know about our insurance requirements.
Why We Require Full Coverage
Protecting You and Our Fleet
Our vehicles represent a significant investment, and proper insurance coverage ensures that both you and our fleet are protected in case of an accident. Florida law requires all drivers to carry auto insurance, and our rental agreement extends these requirements to cover our vehicles.
Important Disclaimer
This page provides general information only and does not constitute legal advice. Insurance laws and requirements can change. We recommend consulting with your insurance provider or a licensed insurance agent for specific coverage questions.
Coverage Requirements
Liability Coverage
Covers damages or injuries you may cause to others in an accident. Florida requires minimum liability coverage, but we recommend higher limits.
Collision Coverage
Covers damage to the rental vehicle in case of an accident, regardless of fault. This is essential for protecting against repair costs.
Comprehensive Coverage
Covers non-collision damage such as theft, vandalism, weather damage, and animal strikes. Protects against a wide range of scenarios.
Verifying Your Coverage
What to Check
- Your policy includes rental vehicle coverage
- Coverage applies in Florida
- Vehicle size/type is covered (vans, buses)
- Policy is current and won't expire during rental
How to Verify
- 1.Call your insurance company directly
- 2.Ask specifically about rental vehicle coverage
- 3.Request a declaration page or certificate
- 4.Bring proof of coverage to your rental pickup
Supplemental Insurance Options
If your personal insurance doesn't extend to rental vehicles or you're an international visitor, we offer supplemental insurance options:
Collision Damage Waiver (CDW)
Reduces your liability for damage to the rental vehicle. Subject to deductible.
Ask for current rates
Supplemental Liability
Additional liability coverage beyond your personal policy limits.
Ask for current rates
Contact us for current insurance option rates and details. Coverage options may vary by vehicle type.
Common Insurance Questions
Does my credit card provide rental coverage?
Some credit cards offer rental car coverage as a benefit. However, this coverage often has limitations (may not cover larger vehicles like vans and buses, may require you to decline the rental company's insurance). Contact your credit card company to verify coverage details before relying on this option.
What if I don't have auto insurance?
If you don't have personal auto insurance, you'll need to purchase coverage through us. Contact us before your rental to discuss available options and pricing.
Does insurance cover all drivers?
Your insurance policy must cover all drivers listed on the rental agreement. Each additional driver must be listed and meet our driver requirements. Unauthorized drivers are not covered.
What happens if there's an accident?
Contact local authorities if needed (911 for emergencies), then call us immediately. Document the scene with photos and exchange information with other parties. We'll guide you through the claims process with your insurance company.
Legal Disclaimer
The information on this page is provided for general informational purposes only and does not constitute legal or insurance advice. Insurance laws, coverage requirements, and policy terms vary and are subject to change. We strongly recommend consulting directly with your insurance provider or a licensed insurance professional to understand your specific coverage and requirements. Sunrise Van & Car Rental is not responsible for any decisions made based on the general information provided here.
Questions About Insurance?
Our team can help you understand what coverage you need for your rental.