Does USAA Cover Car Rental Insurance?

For many people, renting a car is the best option when they need to travel. Whether it is for work or to go on a vacation, renting a car is convenient and often cheaper than other transportation options. But what happens if you get into an accident? Do you have enough car rental insurance to cover all the damages and liabilities? The answer is not always simple.

USAA, or United Services Automobile Association, is an insurance and finance company specifically for military members and their families. USAA offers a variety of coverage for rental cars including liability, collision and personal injury. So, the simple answer to the question of “does USAA cover car rental insurance?” is yes. However, there are a few things to consider before you rent a car.

Understanding USAA Car Rental Insurance

USAA’s coverage is often similar to other insurance companies. The main coverage types include liability, collision, and personal injury protection. Liability coverage is mandatory in most states and is there to protect you from being held financially responsible for any damage you may cause to another person’s property. Collision coverage covers the cost of repairs to your rental car if you are in an accident. Personal injury protection covers medical expenses for you and your passengers if you are involved in an accident.

In addition to these basic coverages, USAA also offers some additional benefits. They offer a rental car reimbursement program, which provides you with a rental car if your own vehicle is damaged or in the body shop. They also offer reimbursement for lost or stolen items, as well as reimbursement for towing costs. USAA also offers roadside assistance, so if you are stranded on the side of the road, they can help you get back on the road.

Deductibles and Other Considerations

When you rent a car, you will likely be asked if you want to purchase additional insurance offered by the rental car company. USAA’s coverage is typically sufficient, but there are some factors to consider before you decline this coverage. First, check to see what your deductible is for each of the coverage types. If your deductible is too high, you may want to consider purchasing additional coverage from the rental car company.

You should also consider the rental car company’s policies. Some rental car companies do not accept outside insurance and require you to purchase their insurance. If this is the case, you may have to accept the rental car company’s coverage in order to rent the car. Additionally, there may be restrictions on certain types of cars or locations. Be sure to read the rental agreement carefully to make sure your coverage is sufficient.

Conclusion

In short, USAA does cover car rental insurance and provides a variety of coverages and benefits. However, it is important to understand your coverage and the rental car company’s policies to make sure your coverage is sufficient. If you are still unsure, it is best to speak to a USAA representative or check their website for more information.