In early May, we landed at Fort Meyers airport. I had booked a compact car for $350 for 7 days. When I went to the checkout desk, the clerk read through all the extra options. When he got to the extra auto insurance coverage, I told him that I was covered by State Farm, and would not need the extra coverage. He stated that regular auto insurance companies do not cover "loss-of-time" ---E.g., if you are in an accident, your insurance does not cover the lost revenue that the rental car company experiences while the car is being fixed. Since, that extra coverage would cost me approx. $290 more, on my cell phone,I immediately called my State Farm insurance agent back home (phoned right at the check-out desk).
My agent said that they did NOT cover such "loss-of-time" ---neither did any other regular company that he know of. I paid the extra insurance, total rental bill exceeeded $640 for 7 days. We drove from the airport to Sanibel Island and back--- and drove a bit on the Island. I don't know if we can afford such a hit on a rental car, again. ---Any suggestions or solutions? ---Jaes/