Yes. USAA offers rental car insurance. USAA rental car insurance is usually included in a driver’s personal car insurance policy if the driver carries liability, comprehensive, or collision coverage and is driving in the U.S.
Each policy is unique, though, and there may be certain exclusions based on your specific situation. It’s very important to confirm the details of your policy by calling customer service at 1 (800) 531-8722 before declining additional coverage at the rental counter.
USAA Rental Car Insurance Coverage Limits
The same USAA coverage limits that apply to your personal vehicle will also apply to a rental car. If you only carry liability insurance, USAA will pay for the other driver’s injuries and property damage after an at-fault accident—but not physical damage to the rental. You need a full-coverage policy to have damage to the rental car covered by your insurer.
If you rent a car similar in value to your personal vehicle, you probably have enough insurance. But if your personal vehicle is a 15-year-old sedan and you decide to rent a 2022 luxury car, you should look into extra coverage. That’s because the limits you’ve chosen for your personal policy may not be sufficient to cover damage to a more expensive rental car.
One option to make up for insufficient coverage when renting a car is to get a collision damage waiver (CDW) from the rental counter, which leaves the rental company responsible if the car is damaged, vandalized, or stolen. In addition to a CDW, rental car companies offer a few other types of insurance if you don’t have enough coverage with your USAA policy. These include supplemental liability protection, personal accident insurance, and personal effects coverage.
USAA Rental Car Reimbursement
USAA also offers rental car reimbursement, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, your insurance company will pay a fixed amount per day toward the cost of your rental, up to a maximum per-claim limit.
For example, if you choose $25 per day/$600 per loss as your rental reimbursement limits, USAA will pay up to $25 per day, but no more than $600 per claim for your rental. Rental reimbursement coverage costs between $2 and $15 per month, on average, but you’ll need to call customer service to get a personalized quote and add this coverage to your policy.
The insurance offered by the rental company often duplicates coverage drivers already have through health, life, and auto insurance. You may also have rental insurance from your credit card company, which is nullified if you purchase the rental company’s coverage.
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