does usaa cover rental cars

Planning a road trip or just need a temporary set of wheels? Renting a car is a common part of travel, but figuring out the insurance can be confusing. If you’re a USAA member, you’re likely wondering about your coverage options and how your existing policies might apply. Navigating the world of rental car insurance is easier when you know what protections you already have in place.

So, Does USAA Cover Rental Cars?

The short answer is yes, but it depends on the specific USAA products you hold. Your personal auto insurance policy is the primary source for this coverage. If you have comprehensive and collision coverage on your own vehicle, this typically extends to a rental car, protecting you from similar risks like theft, vandalism, or an accident. It’s a good idea to call USAA or check your policy documents to confirm your specific limits and any exclusions before you travel.

The Power of Your USAA Card

Beyond your auto policy, your USAA credit card can be a powerful tool. Many USAA cards offer secondary rental car insurance as a cardholder benefit. This means if you pay for the entire rental with your eligible USAA card, it can cover the deductible and other costs that your primary auto insurance doesn’t pay for. For this coverage to apply, you must typically decline the rental company’s collision damage waiver (CDW) or loss damage waiver (LDW) at the counter.

Making Sense of Your Coverage Options

When you’re at the rental counter, the agent will likely offer you several types of insurance. Here’s a quick guide to help you decide what you might need:

• Loss Damage Waiver (LDW)/Collision Damage Waiver (CDW): If you have coverage through your USAA auto policy and credit card, you can often decline this expensive option.
• Liability Insurance: This is crucial. Your personal auto policy liability limits usually extend to a rental car, but it’s wise to verify you have sufficient coverage.
• Personal Accident & Personal Effects Coverage: These are often duplicate protections. Your health insurance may cover accident injuries, and your homeowners or renters insurance might cover stolen personal items.

A Quick Checklist Before You Rent

To ensure a smooth rental experience, take a moment to prepare. Call USAA to understand how your auto policy applies to rentals. Check the benefits guide for your specific USAA credit card to confirm its rental insurance details. Finally, bring your proof of auto insurance and your USAA credit card with you to the rental location.

By understanding how your USAA membership works for you, you can confidently navigate the rental car process. A quick verification of your benefits can save you money and give you peace of mind on your next journey.