My experience with 2 other insurers dealt with a rental $ cap or a daily rate cap. but not a time limit.
Therefore, the more expensive rental vehicle meant I reached the end of my rental coverage quicker (in the case of the rental cap) or that I was responsible for the amount of the daily rate that exceed my policy's daily rate benefit.
The posters who are complaining here need to take a breath.
If you have such a grievance with your insurance then why not leave and go to Geico? Is it really that big of a deal?
If you're not at fault then go to the other person's insurance for reimbursement. Unless you were negligent enough to have caused the damage you should have no problem in retrieving your oop costs.
Come on people ......... grow up and stop whining.
Getting a refund because you didn't use it. Why that's like not paying for something until you actually need it! If I was going that route, I wouldn't be buying insurance, I would simply pay for everything out of pocket.