Does USAA Cover Rental Cars?
When it comes to travel, having the right insurance coverage can make all the difference. One common question among USAA members is whether their auto insurance policy covers rental cars. In this article, we will explore the ins and outs of USAA’s rental car coverage, helping you understand what’s included and what’s not.
Understanding USAA’s Rental Car Coverage
USAA offers comprehensive auto insurance coverage to its members, which typically includes rental car coverage. However, it’s essential to understand the specifics of this coverage to ensure you’re adequately protected. Here’s what you need to know:
1. Primary vs. Secondary Coverage: USAA offers both primary and secondary rental car coverage. Primary coverage pays for the rental car in the event of an accident or damage, while secondary coverage pays only after your personal auto insurance has been exhausted.
2. Eligibility: To be eligible for rental car coverage, you must have a USAA auto insurance policy with comprehensive and collision coverage. Additionally, you must be at least 21 years old and have a clean driving record.
3. Duration: USAA’s rental car coverage is typically valid for up to 30 days. If you need coverage for an extended period, you may need to purchase additional coverage or opt for a separate rental car insurance policy.
4. Limitations: While USAA covers most rental cars, there are some limitations. For instance, luxury vehicles, exotic cars, and vehicles with a value exceeding $50,000 may not be covered. Additionally, the coverage does not include damage to the rental car’s interior, such as stains or rips in the upholstery.
How to File a Claim
If you’re involved in an accident or sustain damage to a rental car, follow these steps to file a claim with USAA:
1. Contact USAA immediately to report the incident and request a claim number.
2. Contact the rental car company to report the damage and begin the repair process.
3. Provide USAA with all necessary documentation, including the police report, rental car agreement, and any other relevant information.
4. Follow up with USAA to ensure your claim is processed promptly.
Alternatives to USAA Rental Car Coverage
If you’re not eligible for USAA’s rental car coverage or need additional protection, there are alternative options:
1. Rental Car Insurance: Many rental car companies offer insurance policies that can provide additional coverage for accidents, theft, and damage.
2. Credit Card Insurance: Some credit cards offer rental car insurance as a benefit, so check your card’s terms and conditions.
3. Personal Auto Insurance: In some cases, your personal auto insurance policy may provide limited coverage for rental cars, so it’s worth reviewing your policy.
In conclusion, USAA does cover rental cars for its members, but it’s crucial to understand the specifics of the coverage and any limitations. By knowing your options and following the proper procedures, you can ensure you’re adequately protected while on the road.
