Does Geico Car Insurance Cover Rental Trucks?

If you’ve ever considered renting a truck for a move, you may be wondering if your car insurance covers rental trucks. The answer is that it depends on the company and the policy you have. Geico car insurance does cover rental trucks in some cases, but there are some important things to know before you rent one.

What Does Geico Car Insurance Cover?

Geico car insurance provides liability coverage for rental trucks, which means that if you cause an accident while driving the truck, Geico will help pay for damages and medical expenses for the other party. Geico also covers personal injury protection, which pays for medical bills if you are injured while driving a rental truck. Additionally, Geico covers comprehensive and collision coverage, which helps pay for repairs if the rental truck is damaged in an accident or is stolen.

Limitations and Exclusions

It’s important to note that Geico does not cover all damage to a rental truck. For instance, if you damage the interior of the truck or the tires, Geico will not pay for the repairs. Additionally, if you are at fault for an accident in a rental truck, Geico may not cover all of the damages. It’s important to read your policy carefully to understand the limitations and exclusions.

Additional Coverage

In some cases, Geico may require you to purchase additional coverage in order to be covered for a rental truck. For instance, Geico may require you to purchase uninsured motorist coverage if you are renting a truck in a state with a high rate of uninsured drivers. Additionally, Geico may require you to purchase gap coverage if the rental truck is more expensive than the car you are replacing.

How Much Does Rental Truck Coverage Cost?

The cost of rental truck coverage varies depending on the policy you have and the coverage you need. Generally, additional coverage for rental trucks is relatively inexpensive and can be added to your existing policy for a small fee. However, it’s important to compare rates and coverage before you purchase a policy.

Conclusion

Geico car insurance does cover rental trucks in some cases, but it’s important to read your policy carefully to understand the limitations and exclusions. Additionally, Geico may require you to purchase additional coverage in order to be covered for a rental truck. The cost of rental truck coverage varies depending on the policy you have and the coverage you need.