Does Geico Cover Rental Cars While Your Car Is in the Shop?

Car breakdowns or accidents can be stressful, especially when your vehicle needs repairs. During these times, having access to a rental car can make a significant difference in your daily life. But does Geico, one of the nation’s leading auto insurance providers, cover rental cars while your car is in the shop? In this article, we’ll explore the ins and outs of Geico’s rental car coverage and what you need to know when you find yourself without your own vehicle.

1. Understanding Geico’s Rental Car Coverage

1.1 What Does Geico Rental Car Coverage Include?

Geico offers rental car coverage as an optional add-on to your auto insurance policy. This coverage typically helps pay for the cost of renting a car when your vehicle is temporarily out of service due to an accident or covered repair.

1.2 How Does Geico Determine Rental Car Eligibility?

The eligibility for rental car coverage depends on your policy and the circumstances of the repair. Geico will assess whether the repairs are covered by your insurance and whether a rental car is necessary during the repair period.

2. Rental Car Coverage While Your Car Is in the Shop

2.1 Geico’s Rental Reimbursement Coverage

If you have Geico’s Rental Reimbursement Coverage, your rental car expenses may be covered, up to a daily limit and a maximum total amount. This coverage can be especially beneficial when your car is in the shop for repairs.

2.2 Rental Car Coverage for Repairs Covered by Insurance

If the repairs to your vehicle are covered by your Geico insurance policy, rental car expenses are more likely to be included. Geico typically works with approved rental car companies to simplify the process.

3. What to Do When Your Car Needs Repairs

3.1 Reporting the Incident to Geico

When your car requires repairs, promptly report the incident to Geico. They will guide you through the process, assess the coverage, and explain your rental car options.

3.2 Coordinating with the Repair Shop

Coordinate with the repair shop to ensure a smooth transition from your damaged car to the rental vehicle. Keep all documentation and receipts for rental car expenses.

4. Frequently Asked Questions (FAQs)

4.1 Does Geico cover rental cars for all types of repairs?

Geico typically covers rental cars for repairs covered by your insurance policy, including accidents and certain covered damages.

4.2 Is there a limit to the rental car coverage duration?

Yes, there is usually a daily limit and a maximum total amount for rental car coverage, which varies based on your policy.

4.3 How do I arrange for a rental car with Geico?

Contact Geico after reporting the incident, and they will assist you in arranging a rental car through their approved rental partners.

4.4 Can I choose any rental car company, or does Geico have preferred partners?

Geico often has preferred rental car partners, but you can discuss your options with them to ensure you choose a suitable rental car company.

4.5 Does my insurance premium increase after making a rental car claim?

Making a rental car claim with Geico generally should not directly impact your insurance premium, as long as the claim is related to covered repairs or accidents.


Geico does offer rental car coverage when your car is in the shop, provided the repairs are covered by your policy. Understanding the details of your coverage, promptly reporting incidents, and coordinating with the repair shop are essential steps to ensure you have access to a rental car when you need it most.

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