GEICO comprehensive coverage pays for damage to your car that is not caused by a car accident. This includes damage caused by theft, vandalism, flooding, fire, and natural or man-made disasters.
Your comprehensive coverage will pay for the cost of necessary repairs, as calculated by a GEICO inspector, minus your deductible. Your deductible is the amount you have to pay out of pocket for each claim. You can select a deductible from $0 to $1,500. But keep in mind that a lower deductible means higher premiums.
If the cost of repairs is greater than the value of your car, the car will be declared a “total loss.” Your comprehensive coverage will pay out GEICO’s determination of the car’s value minus your deductible, to you or to your leasing or financing company.
GEICO’s comprehensive insurance does not cover accident/collision-related damage, roadside assistance or towing, renting a car while yours is being repaired, replacement of personal property stolen from inside your vehicle, or medical treatment of injuries. Other types of coverage can help in these situations.
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