You can talk to a Geico customer service representative at 1 (800) 207-7847 to see if your personal policy extends 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. While each standard auto insurance company has its own criteria for covering rental cars, some situations are generally excluded. Generally, your health insurance will cover injuries that result from a car accident, and home or renters policies cover items stolen from a car.
When you rent a car at the airport or another car rental agency, you will be asked if you want to add insurance to your rental or if you want to exempt it from insurance. This is not an insurance product, but rather an exemption that transfers your financial responsibility to the car rental company in the event of damage or theft. Keep in mind that not all states require car rental companies to automatically provide mandatory minimum insurance coverage. It seems like I need to review car insurance policies and see which one would best complement rental car insurance.
Studies show that people who hire lawyers who specialize in car accidents recover 40% more money from the settlement with insurance companies such as GEICO compared to people who represent themselves. In other words, Geico car insurance offers the same coverage limits for rental cars as if you were the owner of the vehicle. In most cases, collision damage exemptions also offer “loss of use” coverage if the car rental company charges for the time a damaged car cannot be used because it is being repaired. Your full-coverage insurance also includes other insurance options, such as car rental reimbursement, personal injury protection, medical payments, and emergency roadside assistance.
Geico also offers rental car reimbursement coverage, which helps pay the cost of renting a car while your personal vehicle is being repaired for a covered claim. During a free initial consultation, your car accident lawyer will inform you about the value of your GEICO accident claim, including the possibility of seeking punitive compensation. Rental vehicle reimbursement coverage is an option that offers reimbursement by the auto insurance company after you have paid for the rental car service while the vehicle is being repaired. Do not give a statement to a claims adjuster or sign any documents until you have had a chance to speak with a Silver Spring car accident lawyer.