Ed
Farmers Branch,#2UPDATE Employee
Tue, February 19, 2013
You're welcome for nothing because you did not pay for coverage that applied to anything that you described. You also lied when you implied that other insurance companies covered you in similar situations.
GEICO is the only insurance company that offers Mechanical Breakdown Insurance. It is similar to an extended warranty, and like you said, you have to purchase the coverage when your vehicle is brand new. Other insurance companies do not even offer this coverage.
Rental Reimbursement coverage provides you with a rental vehicle only if you file a Comprehensive or Collision coverage claim. Since you did not file a Comprehensive or Collision claim, GEICO could not pay for your rental vehicle. This is standard all though out the insurance industry. I challenge you to call any other insurance company and find a different answer. You can't, and you won't.
GEICO had just a much responsibility to get you home for Christmas as any of the strangers you saw driving by. NONE. You decided to invent insurance coverage that you didn't have. If you want that type of coverage, you should have purchased an extended warranty with your vehicle.