What Happens If You Get in an Accident in a Rented Exotic Car?

August 15, 2026 · 1 min read · By Preferred Exotics

The short answer

Call the concierge line first, before anything else except checking that everyone is okay. That one call sets everything else in motion — it’s who arranges the tow, the replacement vehicle if you need one, and walks you through what your coverage actually handles from there.

What your coverage is actually for

Every rental has either your own full-coverage auto policy extended to the vehicle, or the supplemental protection arranged at booking. Either way, that coverage is exactly what activates here — it’s not a formality you signed and forgot about, it’s the thing doing the work in this exact moment.

What’s on you regardless of coverage

A police report, if the accident involves another vehicle or any injury — Florida generally requires one past a certain damage threshold, and it protects you as much as anyone else involved. Photos of the scene and both vehicles help too, the same way they would in any accident, rented car or not.

What happens to the deposit

The security deposit isn’t an automatic loss the moment there’s damage — it’s held against the final assessment, the same way it would be for a scratch from a parking garage pillar. Minor damage is handled differently than a total loss, and the concierge line will walk through which situation applies before anything is charged.

The one thing not to do

Don’t try to handle it quietly and return the car like nothing happened. Undisclosed damage is a much bigger problem than disclosed damage — call it in immediately, even if it looks minor, even if you’re not sure it’s worth mentioning.

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