Do I Need Rental Car Insurance If I Have Geico?

When you're planning a road trip or vacation, you may wonder if you need rental car insurance if you already have Geico auto insurance. It's a question that many people have so it's important to know what to do. Geico auto insurance offers a variety of coverages that can help protect you when you rent a car, but you'll still need to know what you need to do to get the best coverage. Here's an overview of rental car insurance and Geico auto insurance so you can make the best decision for your trip.

What Does Geico Auto Insurance Cover?

Geico auto insurance typically covers the same types of damage to a rental car as it does to a personal vehicle. This includes physical damage, such as a collision or theft, as well as liability for property damage or bodily injury. Depending on your policy, you may also be covered for towing, loss of use, and other types of expenses associated with a rental car.

In addition, many Geico policies also provide coverage for rental car reimbursement. This means that if your personal vehicle is damaged in an accident, Geico will cover the cost of a rental car for a certain period of time. The amount of coverage and the length of time it is provided vary by policy.

Do I Need Rental Car Insurance If I Have Geico?

The short answer is yes, you may still need rental car insurance if you have Geico auto insurance. Although you may be covered for certain types of damage and expenses, there are still some risks that you may need to protect yourself against. For example, if you damage the rental car beyond what is covered by your Geico policy, you may be responsible for the remaining costs.

It's also important to note that rental car companies may require you to purchase additional insurance when you rent a vehicle. This coverage is typically offered as Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). These waivers provide extra protection against damage to the rental car, and they can help you avoid costly out-of-pocket expenses.

What Do I Need to Do?

If you're planning to rent a car and you already have Geico auto insurance, the first thing you should do is contact your agent to make sure you understand the coverage that is provided. This will help you decide if you need additional insurance from the rental car company. It's also important to remember that Geico auto insurance coverage is typically only in effect if you have a valid driver's license and you are driving a rental car within the United States.

By understanding your coverage, you can make sure you're protected when you rent a car. Knowing what you're covered for and what you need to do to get the best protection can help you have a stress-free vacation.