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Car In The Shop After An Accident? Get Covered With GEICO’s Rental Reimbursement Option

Would your life be seriously disrupted if you lost access to reliable transportation? It’s a common prospect people face in the aftermath of a serious accident that causes major damage to a car. If you are a GEICO car insurance customer, you can address the fear of wheellessness by adding a rental reimbursement option to your car insurance policy.

car with a mechanic

If you car is with the mechanic GEICO rental reimbursement has you covered. Image Credit: emma seo

How this works

Not to be confused with rental car insurance a helpful rental car agent tries to sell you at the airport counter, GEICO’s rental reimbursement policy is optional car insurance coverage that helps pay your rental car costs while your car is being repaired as a result of a covered claim. (For some reason, the State of Virginia requires GEICO to call it Transportation Expense coverage for policies sold in that state.)

Specifics can vary from state to state and from policy to policy, but how this option works is pretty simple. You have coverage pegged to daily reimbursement amounts with a cumulative total allowed per-incident. The most common option is the $25/$750 option. This allows for reimbursement of $25-per day up to a total of $750-per incident from GEICO to cover your costs for having to rent a car while your insured vehicle is being repaired. There are other limit-plans available in some areas, with the most generous packages offering $50/$1,500 coverage.

GEICO & Enterprise Rent-a-Car

GEICO has teamed up with Enterprise to offer a seamless process for drivers who need to get a rental car under a rental reimbursement option. If you choose your rental car from Enterprise, they will bill GEICO directly for your covered rental car expenses.

If you don’t have an Enterprise location near you or want to use another rental car agency, you will have to pay for your rental car out-of-pocket and submit a claim to GEICO for reimbursement of those expenses.

What this option doesn’t cover

GEICO’s rental reimbursement option does not cover the costs of gas, excess mileage, or any security deposit required by the rental company. (Most additional fees are waived if you choose to go with Enterprise.)

Most rental car providers will ask you to purchase additional insurance directly from them to protect against any damage that you may cause to the rental car. If you have comprehensive and/or collision options as part of your GEICO car insurance policy, these can usually be transferred to cover the rental car while your vehicle’s accident damage is being repaired.

If the accident results in a total loss of your car, you may be limited in the time a rental car will be paid for. If you are considering GEICO rental reimbursement, be sure you read the policy closely to acquaint yourself with any exceptions or limitations. Press your GEICO representative for details about any exclusions or limitations. You won’t want to be surprised when you’re most vulnerable.

lack of transportation

In an area with a lack of transportation? Give GEICO a try. Image Credit: suryowibowo

A word about cost

If you are a family with only one car or if you live in an area where there is not reliable public transportation, you may want to give an option like GEICO’s rental reimbursement serious consideration. It can be a very attractive option when you consider how little it can cost. Depending on the state where you live and what options you currently have in place on your car insurance coverage, you can add rental reimbursement to you GEICO car insurance policy for as little as $10 in additional premium over the term of your coverage.

You can also defer the added premium of an option like this one by taking full advantage of the numerous discounts on your car insurance premium offered by GEICO. The insurer has close to 20 standard discounts from rewarding safe driving records to offering reduced premium for military personnel being deployed.

If you’re concerned about ever being stuck without transportation after a car accident and there aren’t any talking geckos with limo service in your area, adding GEICO’s rental reimbursement options could be the next best thing.

(Note: this article is strictly informational in its intent as the author has no affiliation with GEICO or any other car insurance provider.) 

Jeffery Davidson

Jeffery Davidson

Jeffrey Davidson is a writer with Reply!. He has more than 25 years of marketing research, public relations consulting and freelance writing experience and work in all areas of the auto industry.

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