If you have a policy for homeowners, renters, or condominiums, 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. Generally, your health insurance will cover injuries that result from a car accident, and home or renters policies cover items stolen from a car. It should not be confused with rental reimbursement coverage, which is a supplement to the car insurance policy that offers reimbursement for a car rental in the event that the 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. 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. Geico confirmed that they don't cover cars rented through Turo, at least with respect to my California policy. Or, if you're looking for a new car policy, compare car insurance and find out why GEICO is the right choice.
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. While each standard auto insurance company has its own criteria for covering rental cars, some situations are generally excluded. 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. Then, you get a clipboard with an intimidating car rental contract full of confusing insurance options.
I've been told that Geico's personal insurance doesn't cover rental cars if the rental lasts more than 30 consecutive days. How does your coverage for uninsured drivers apply if an accident occurs while driving a rental car and the person at fault is not insured? 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. 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. 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.
Yes, Geico policyholders get discounts of up to 20% to 50% at popular agencies such as Enterprise, Alamo, Hertz and National Car Rental. If you have liability, comprehensive or collision coverage in your Geico policy, they will be transferred to your rental car.