Summarize the following:
Once you’ve communicated with the rental company, you’ll need to call your own insurance company. Explain the circumstances of the breakdown and describe the specific problem with the rental car. Clarify whether or not you are at fault for the breakdown, and ask if damages and repairs will be covered by your insurance.  When you call your insurance company, state, “I’m driving a rental car in Florida, and the car just broke down on the side of the road. The engine stopped running, although I did nothing to put me at fault. If the rental company refuses to pay, will my car insurance cover the cost of repairs?” If the breakdown-related damages are not your fault and the rental agreement states that the rental company will pay, your insurance company may not need to get involved. It’s still best to contact the insurance company though, in case the rental company tries to make you pay for damages for which you were not at fault. Before traveling, you should find out ahead of time what type of rental-car coverage your insurance company provides. Even if you have a good vehicle insurance plan, if you get into an accident in your rental car, your insurance will likely only cover damages to the other vehicle, leaving you responsible to cover damages to the rental car.  To start this conversation, try explaining, “I’m going to be renting a car soon in Alabama. Does my car insurance cover my own vehicle in the case of a breakdown, or if I get into an accident in the rental?” Tell the company whether you’re traveling for business or pleasure, as this may make a difference in the insurance rental-car coverage. Also ask if your insurance will cover fees charged by the rental agency, for example, repair and towing costs. If your insurance company does not provide coverage for damages to rental cars, you can work around this problem by purchasing rental insurance from the rental company before you begin driving the car—this will insure any damages to the rental car for which you are responsible. Some rental companies may also sell a “liability waiver.” This will clear you from liability and financial responsibility if you are at fault for damages to the vehicle.

Summary:
Call your insurance company shortly after the breakdown. Ask your insurance company about coverage before you rent a car. Purchase renter’s insurance when renting a car.