This is something I have always wondered myself. I usually end up getting the rental places insurance. Is this something you added to your Geico policy? How much more did it cost you?I have Geico and when I asked them they said I was covered for any car I drive including rental cars but I do believe that differs with not only each company but different insurance policies. If you don't have it I would get it because what the car rental places charge is a rip off.