Does USAA Cover Rental Cars?

If you are a USAA member and are planning a trip that requires a rental car, you may be wondering if USAA will cover the cost of the rental car. USAA does cover rental cars, but there are some specific rules and guidelines that you need to be aware of in order to make sure your rental car is covered.

USAA Auto Insurance

USAA offers several different types of auto insurance, including liability, collision, and comprehensive coverage. Liability coverage will pay for damages that you cause to another person's car or property in an accident. Collision coverage will pay for damages to your own car if you are involved in an accident. Comprehensive coverage pays for damages to your car due to theft, vandalism, or natural disasters. All of these types of coverage will extend to rental cars as long as you have them in your policy.

Rental Car Coverage

USAA will cover the cost of a rental car if you are involved in an accident and your car is deemed to be a total loss. USAA will also cover the cost of a rental car if your car is being repaired due to a covered loss. However, you should be aware that USAA does not cover the cost of rental cars for other purposes, such as taking a vacation or business trip.

Limitations

There are some limitations when it comes to USAA's rental car coverage. First, USAA will only cover the cost of rental cars for up to 30 days. Secondly, you must be the primary driver of the rental car in order to be covered. If you are not the primary driver, you may not be covered. Lastly, USAA will not cover the cost of any additional insurance that you purchase from the rental car company.

Additional Coverage

In addition to the above, USAA also offers additional coverage options for rental cars. If you are traveling overseas, you can purchase coverage for damages that are not covered by your regular auto policy. You can also purchase personal accident insurance, which will cover medical expenses if you or your passengers are injured in an accident. Finally, you can purchase Personal Effects Coverage, which will cover the cost of any personal items that are damaged or stolen while in the rental car.

Conclusion

USAA does offer coverage for rental cars, but there are some specific rules and guidelines that you need to be aware of in order to make sure your rental car is covered. Be sure to review your policy carefully to ensure that you are aware of all the details and that you are getting the coverage that you need. By following these guidelines, you can be sure that your rental car is covered for any eventuality.