Does Geico Cover Rental Cars for Vacation?
Are you planning a vacation and worried about the cost of renting a car? One of the most common questions that vacationers have is whether their insurance provider, Geico, covers rental cars during their trip. In this article, we will delve into the details of Geico’s coverage for rental cars and help you understand what you need to know before hitting the road.
Understanding Geico’s Coverage
Geico offers a variety of insurance policies, and whether or not they cover rental cars for vacation depends on the type of coverage you have. Generally, if you have a personal auto insurance policy with Geico, you may be covered for rental cars under certain circumstances. However, it’s essential to review your policy to ensure that you have the appropriate coverage.
Primary vs. Secondary Coverage
Geico offers two types of coverage for rental cars: primary and secondary. Primary coverage means that Geico will pay for damages or losses to the rental car first, before your personal auto insurance kicks in. On the other hand, secondary coverage means that Geico will pay for damages or losses after your personal auto insurance has paid out its limit.
What is Covered?
If you have primary coverage, Geico typically covers the following:
1. Liability: This covers damages you may cause to others in an accident while driving the rental car.
2. Collision: This covers damages to the rental car itself in the event of an accident.
3. Comprehensive: This covers damages to the rental car caused by events other than collisions, such as theft, vandalism, or natural disasters.
What is Not Covered?
It’s important to note that Geico’s coverage for rental cars does not include:
1. Personal property: Your personal belongings in the rental car are not covered.
2. Towing and labor: These costs are not covered by Geico.
3. Additional insurance: You may need to purchase additional insurance from the rental company, such as loss damage waiver (LDW) or personal accident insurance (PAI).
How to Ensure Coverage
To ensure that you have coverage for rental cars during your vacation, follow these steps:
1. Review your Geico policy: Make sure you have the appropriate coverage for rental cars.
2. Call Geico: If you’re unsure about your coverage, contact Geico directly to confirm.
3. Purchase additional insurance: If necessary, consider purchasing additional insurance from the rental company to cover any gaps in your coverage.
Conclusion
In conclusion, Geico does cover rental cars for vacation, but it depends on the type of coverage you have. By understanding your policy and ensuring that you have the appropriate coverage, you can enjoy your vacation with peace of mind, knowing that you’re protected on the road. Always review your policy and contact Geico if you have any questions or concerns. Safe travels!
