Yes, Geico will pay for a rental car, but only if you have purchased Rental Reimbursement coverage as an add-on to your auto insurance policy. This is not a standard feature included in every policy. The coverage is designed to help with transportation costs while your car is being repaired after a covered claim, such as an accident, theft, or vandalism.
The specifics of what Geico pays are determined by the limits you selected when you bought the coverage. You choose a daily amount (e.g., $30, $40, $50 per day) and a maximum total amount (e.g., $900, $1,200). Geico will reimburse you for rental costs up to your daily limit until your car is fixed or you hit your total maximum.
It's crucial to understand this coverage does not apply if your car is in the shop for routine maintenance or if the accident is not covered by your policy (e.g., you only have liability insurance and are at fault). The process typically involves you paying for the rental upfront and then submitting receipts to Geico for reimbursement after your claim is approved.
| Coverage Scenario | Is Rental Covered? | Key Conditions & Limitations |
|---|
| Accident (Your Fault) | Yes, if you have Collision & Rental Reimbursement | Coverage starts after you pay your deductible. Reimbursement is up to your daily/max limit. |
| Accident (Other Driver's Fault) | Yes, typically | The other driver's property damage liability should cover it. Geico may handle the claim with their insurer. |
| Comprehensive Claim (Theft, Vandalism) | Yes, if you have Comprehensive & Rental Reimbursement | Coverage often begins 48 hours after the theft is reported. Standard daily/max limits apply. |
| Routine Maintenance / Mechanical Failure | No | Rental Reimbursement is only for losses covered by your policy, not wear and tear. |
| DUI-Related Accident | No | Most policies exclude coverage if the driver was violating the law (e.g., DUI). |
To confirm your specific coverage, log into your Geico account online or use the mobile app to view your policy documents. The declarations page will clearly list whether you have Rental Reimbursement and your exact limits.
