USAA covers their policyholders’ rental cars in most cases. Your coverage limit is similar to the limit for your primary vehicle when you rent in the United States. You are responsible for the deductible on your auto insurance policy if you have an accident in a rental car. Check your deductible amount and coverage limit before renting. USAA may not cover a shiny new rental car if you own an old car. Check with them before renting to ensure adequate coverage.
Where is Coverage Applicable?
USAA’s rental car insurance covers the 50 US states, Puerto Rico, Canada, Guam, and the Virgin Islands. USAA also offers towing if you added roadside assistance. It covers damages to other vehicles and medical bills for injuries to others, within policy limits. Paying with a USAA credit card provides secondary coverage up to $50,000.
What Does the Coverage Include?
The rental reimbursement coverage is useful when your car is in the shop since long-term rentals are expensive. Rental car coverage usually includes collision/loss damage waivers so the company won’t charge you for damages and liability to cover injuries/damages you cause.
USAA’s auto insurance policy should cover you when renting a car, subject to the same restrictions for your owned cars. This means your liability, collision and comprehensive insurance may apply. However, they only cover up to $30 per rental day. You pay any excess daily costs. Veterans get USAA and other military discounts on rentals.
Exclusions
USAA covers liability and physical damages on rentals. But your policy won’t cover a neighbor borrowing or you renting out on Turo because that’s business use.
FAQ
How many days does USAA cover rental cars?
USAA covers rental cars for policyholders; coverage differs for old and new rental cars.
What rental car company does USAA use?
USAA uses various rental car companies and offers different coverage limits and deductibles. Ensure you have adequate coverage.