USAA charges a $15 to $25 filing fee for an SR-22, though the exact amount varies between states. In addition to the filing fee, SR-22 insurance from USAA costs 13% more than a standard policy, since drivers who need an SR-22 are considered high-risk.
Most states require drivers to have an SR-22 on file for 3-5 years after being convicted of a serious moving violation, like DUI or reckless driving. Once you no longer need an SR-22, your USAA rate should start to go back down. In the meantime, there are still ways that you can keep your USAA premium affordable, including taking advantage of discounts and temporarily limiting your coverage to your state’s minimum requirements.
USAA roadside assistance is worth it for drivers who are looking for basic coverage at a low price. USAA customers can purchase roadside assistance as a policy add-on for $12 to $20 per year in order to get coverage for things like towing, gas delivery, and flat-tire changes.
USAA roadside assistance members can request service online or call 800-531-8555.… read full answer
What USAA Roadside Assistance Covers
Towing to the nearest repair facility
Locksmith services for lost keys or keys locked in the vehicle
Jump starting a battery
Changing a flat tire
USAA Roadside Assistance vs. Popular Competitors
$12-$20 per year
$14 per year
$16 per year
Anywhere within 50 miles
To the nearest qualified repair facility
15 miles or the nearest qualified repair shop
Only applicable if you're stuck on or near a public road
Tire Change, Jumpstart, Fuel Delivery
Other Key Things to Know About USAA Roadside Assistance
It’s worth noting that USAA roadside assistance does not include battery replacement and only offers extraction if your car is stuck on or near a public road. Additionally, drivers will need to pay out of pocket for a new key or for the gas itself in the event of a lockout or refueling service call.
Since USAA roadside assistance is fairly basic compared to the roadside assistance offered by most auto clubs, it might not be worth it for drivers who want robust coverage and extra perks. Plus, if you are not already a USAA member, you’ll need to qualify in order to get USAA car insurance with roadside assistance.
USAA Roadside Assistance Reviews
USAA roadside assistance ranks 13th out of 22 companies in WalletHub’s analysis of the best roadside assistance providers. Despite its low cost, USAA roadside assistance offers only average coverage and does not allow customers to choose between multiple levels of coverage. Major insurance companies that rank above USAA include Travelers, Nationwide, and Progressive, since they offer more coverage options than USAA.
WalletHub’s USAA Car Insurance Review gave USAA 3.3 out of 5 stars, noting its low prices and many discounts. However, USAA’s customer service has received many complaints. This dissatisfaction extends to USAA’s roadside assistance, according to customer reviews. Several drivers have noted long wait times and difficulty getting in touch with a representative.
How to Decide if USAA Roadside Assistance Is Worth It
Your driving habits and budget are the most important factors when deciding if it’s worth purchasing roadside assistance through USAA. If you have a long commute or frequently take road trips far from home, USAA might not provide enough coverage for you. On the other hand, drivers who do not anticipate needing winching or long-distance towing will find USAA to be a budget-friendly choice.
If USAA roadside assistance does not offer enough coverage for your specific needs, it’s a good time to compare quotes and see if it’s worth switching car insurance providers. Otherwise, you can always maintain your USAA policy and purchase roadside assistance from an auto club like Better World Club or Good Sam. Auto clubs are generally more expensive than USAA but provide more coverage along with added discounts and perks.
SR-22 insurance covers the cost of other people’s injuries and property damage after accidents that you cause, and it does not cover damage to your own vehicle. If the court or state tells you that you need SR-22 insurance certification, your minimum coverage requirements are still the same as for any other resident.… read full answer
SR-22 is actually the name of the form the court or state requires from drivers convicted of certain violations, such as DUI/DWIs, reckless driving, and driving without a license or insurance. The SR-22 must be filled in by your insurance company and certifies that you have the legally required coverage.
What SR-22 Insurance Covers Depending on State
Many states only require liability insurance. In these states, SR-22 insurance covers the costs of the other driver’s injuries or property damage if you’re at fault in an accident. Some states, like Florida and Michigan, also require Personal Injury Protection, which pays medical expenses for you and your passengers. States such as New Jersey and New York mandate uninsured or underinsured motorist protection, as well. This kind of insurance pays for your losses if another driver is at fault and either has no/low liability insurance or is a hit-and-run driver.
SR-22 Insurance Limits
Like all insurance, SR-22 insurance policies are written with limits. These limits are the maximum amounts the insurance company will pay out for losses. The coverage limits for your SR-22 insurance policy will follow the requirements of the state in which you were convicted or now live, whichever are higher.
Even though it’s minimal, SR-22 coverage can be expensive. The violation you committed will put you into the insurance company’s high-risk pool of drivers. This can raise your insurance costs 25% or more.
To get an SR-22 removed, a driver needs to contact their insurance company once they are no longer required to have the SR-22 on file with their state DMV. While each state has its own rules for how long drivers must maintain an SR-22, it can usually be removed after 3-5 years. Since individual drivers do not handle SR-22 forms themselves, the insurance company will take care of the cancellation.… read full answer
You can contact your state’s DMV to find out exactly when your SR-22 filing period ends. Once you confirm that you no longer need an SR-22, you can call your insurance company and let them know. Your insurer will then notify the DMV that they have cancelled the SR-22 filing.
You should never try to remove your SR-22 before the state-mandated period ends. If the DMV finds out that you cancelled your SR-22 insurance early, you could face serious consequences that include a driver’s license suspension, vehicle registration suspension, and hefty fees. In addition, you will likely have to start the SR-22 filing period all over again.
Finally, if you cancel your SR-22 insurance because you are switching insurance companies, you should cancel the old policy a few days after the new one begins. It can take some time for your state DMV to receive the new filing, and having the policies overlap by a few days helps you avoid a lapse in SR-22 coverage.
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