Whether it's a friend in distress or a family member from another state, drivers always borrow other people's cars. But what are the implications for your insurance coverage? Here's what to ask before you let another driver head into the sunset in your vehicle or before you drive someone else's. I've been told that Geico's personal insurance doesn't cover rental cars if the rental lasts more than 30 consecutive days. 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.
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. Then, you get a clipboard with an intimidating car rental contract full of confusing insurance options. Geico confirmed that they don't cover cars rented through Turo, at least with respect to my California policy.
Some car insurance companies may try to find more HH members or drivers who can use their car on a recurring basis. 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. Still, it's best to have a friend call your auto insurance company to ask and you should definitely call your auto insurance company and ask as well. 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.
Before you hit the road (or let someone else hit the road in your car), make sure you have the right car insurance coverage. Or, if you're looking for a new car policy, compare car insurance and find out why GEICO is the right choice. Read on to learn some basic facts about rental car insurance and whether or not you need additional coverage beyond your personal auto insurance policy. 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.
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?.