USAA is a well-established insurance provider that offers rental car insurance across all 50 states and some territories outside of the US. This coverage is designed to protect individuals who rent cars from damages and accidents that may occur during the rental period. It is an important option for individuals who frequently rent cars and need comprehensive protection beyond what credit card companies offer.
USAA’s rental car insurance coverage is subject to certain limitations and exceptions, and it is crucial to understand these before purchasing the coverage. For instance, the coverage is not valid for SUVs, trucks, vans, and motorcycles, which means that individuals who rent these types of vehicles will need to seek alternative coverage options. Additionally, the coverage may be limited in terms of the amount of damages that it can cover, and it may not cover certain types of damages, such as those that occur due to driver negligence.
Despite these limitations, USAA’s rental car insurance coverage remains a popular and important option for renters who need additional protection beyond what is offered by credit card companies.
Availability and Limits
The availability and limits of USAA’s rental car insurance are quite extensive. This insurance coverage is available in all 50 states and some territories outside the US. The coverage limit is up to the policy limit, and the remainder is paid by the policyholder. In the case of an accident, the insurance covers damage to another car and requires deductibles to avail the benefits.
In addition to the above, USAA’s rental car insurance covers damages to the rented car in most cases. However, it is important to note that this insurance is not valid for SUVs, trucks, vans, and motorcycles.
The credit card secondary insurance is valid in all 50 states and some territories, including Puerto Rico, Canada, Guam, and US Virgin Islands. It covers damages to another person’s car in an accident and is a good option for frequent renters.
Coverage for Damages
Damage caused to a rented vehicle in an accident is covered under the USAA rental car insurance policy, subject to payment of deductibles. This coverage is available in all 50 states and some territories outside the US.
In addition to covering damages to the rented vehicle, the policy also covers damages to other cars involved in the accident. However, it is important to note that deductibles must be paid by the policyholder to avail of these benefits.
The USAA rental car insurance policy also covers property damage and health expenses of others up to a decided limit. This coverage is obtained when enrolling in an auto policy plan and is a two-step process that involves contacting USAA and paying the deductibles.
While credit cards offer secondary rental car insurance up to $50,000, this coverage is only valid for 31 days and is not valid for SUVs, trucks, vans, and motorcycles.
Overall, the USAA rental car insurance policy is a good option for frequent renters who want comprehensive coverage for their rented vehicles.
Secondary Insurance Options
Secondary insurance options for rental cars include credit card coverage, which offers up to $50,000 in coverage for areas not covered by an auto policy and is valid in multiple states and territories. This secondary insurance may be a good option for those who frequently rent cars, as it can provide additional protection beyond what is offered by their primary auto insurance policy.
However, it is important to note that credit card coverage may not be valid for certain types of vehicles, such as SUVs, trucks, vans, and motorcycles, and may also have limitations and exceptions that should be carefully reviewed before relying on the coverage.
It is also worth noting that credit card secondary insurance is typically only valid for a limited time period, usually up to 31 days, and may not be valid if the car is rented under someone else’s name. Additionally, if the insurance is purchased for an old car, it may not be valid for a brand new rental car.
Therefore, it is important for renters to carefully review the terms and limitations of their credit card coverage before relying on it as their sole source of rental car insurance. Ultimately, renters may want to consider purchasing additional rental car insurance through their auto insurance provider to ensure they have comprehensive coverage for their rental car needs.