If you have a homeowners, renters, or condominium policy, your personal items will generally be covered even if they are stolen from a rental car. Review your policy documents to make sure before choosing or refusing this coverage. Follow these tips to ensure a safe and stress-free trip on your next jet set adventure. Yes, Geico offers car rental insurance.
If you already have a personal car policy with Geico that includes liability, comprehensive and collision coverage, this insurance will likely be extended to cover your rental car. If you only have liability insurance with Geico, physical damage to the rental vehicle will not be covered. You can talk to a Geico customer service representative at 1 (800) 207-7847 to see if your personal policy will be extended to your rental car. If you don't have enough coverage through Geico to cover your rental car, you can buy insurance from your car rental company or see if your credit card company offers it.
If you have collision and comprehensive insurance with Geico, it will normally cover any damage that occurs to the rental vehicle itself during the rental period. However, Geico's comprehensive and collision coverage limits may not be high enough if you rent a car worth much higher than your personal vehicle and the car is completely liquidated. If your personal car policy has personal injury protection (PIP) or MedPay, your medical expenses and those of your passengers will be covered even after a rented car accident. If you don't have either type of coverage, you can take out personal accident insurance through the car rental company.
Read the full answer Companies that offer discounts on Geico rental cars Can I use Geico insurance for my rental car? If you have liability, comprehensive or collision coverage on your Geico policy, they will be transferred to your rental car. Your rental car will have the same coverage limits as your personal car. As long as the car you rent has a similar value to yours, you can probably skip the rental company's coverage. You'll also want to pass rental insurance on the counter if you plan to use a credit card as secondary coverage.
In addition, other policies, such as health insurance or home insurance, take effect in certain situations. Generally, your health insurance will cover injuries that result from a car accident, and home or renters policies cover items stolen from a car. In addition, depending on the credit card you used to rent a car, you can also file a claim through it. When your car insurance doesn't cover rental cars: Although each standard car insurance company has its own criteria for covering rental cars, some situations are generally excluded.
When to buy additional rental car insurance Study on the best rental car insurance with a credit card How can I buy liability insurance for a rental car? How does rental car insurance work? Enter your mobile phone number and we'll send you a link to install the WalletHub app. Yes, Geico policyholders get car rental discounts of up to 20 to 50% at popular agencies such as Enterprise, Alamo, Hertz and National Car Rental. Keep in mind that not all states require car rental companies to automatically provide mandatory minimum insurance coverage. Or, if you're looking for a new car policy, compare car insurance and find out why GEICO is the right choice.
Then, you get a clipboard with an intimidating car rental contract full of confusing insurance options. How does your uninsured motorist coverage apply if an accident occurs while driving a rental car and the person at fault is not insured?. I've been told that Geico's personal insurance doesn't cover rental cars if the rental lasts more than 30 consecutive days. Since rental car insurance isn't something most of us deal with on a daily basis, it's easy to get confused or overwhelmed when presented with the option of this type of coverage.
Read on to learn some basic facts about rental car insurance and whether or not you need additional coverage beyond your personal auto insurance policy. While each standard auto insurance company has its own criteria for covering rental cars, some situations are generally excluded. This is not an insurance product, but rather an exemption that transfers financial responsibility from you to the car rental company in the event of damage or theft. Not to be confused with rental reimbursement coverage, which is an add-on to your car insurance policy that offers reimbursement for a car rental in the event that your car is repaired due to a covered loss or accident.
Rental car insurance is insurance that covers you when you rent a vehicle directly from a car rental company, such as Enterprise Rent-A-Car. .