When you rent a car, one of the most important decisions you’ll make is choosing whether to get car rental insurance or not. While most people assume that their personal auto insurance policy will cover them, this isn’t always the case. That’s where companies like USAA come in, offering affordable and comprehensive car rental insurance options that can provide peace of mind on the road.
What is USAA Car Rental Insurance?
USAA car rental insurance is a type of coverage that you can purchase from the company when you rent a car. It provides protection against a range of risks, including collision damage, theft, and third-party liability. Depending on the specific policy you choose, USAA car rental insurance may also cover medical expenses, personal accident, and personal effects.
One of the biggest advantages of USAA car rental insurance is that it is typically much cheaper than the coverage offered by rental car companies. In fact, you can often save up to 50% by purchasing car rental insurance from USAA instead of going through the rental car company.
Types of USAA Car Rental Insurance
USAA offers two main types of car rental insurance: collision damage coverage and liability coverage.
Collision Damage Coverage
Collision damage coverage protects you against damage to the rental car in the event of an accident. With this type of coverage, you won’t have to pay for any repairs or replacements out of pocket, as long as you comply with the terms of your policy.
It’s important to note that collision damage coverage is not the same as collision coverage on your personal auto insurance policy. While collision coverage on your personal policy will typically cover damage to any car you drive, collision damage coverage only applies to the specific rental car you’ve rented.
Liability Coverage
Liability coverage protects you against any claims made by third parties if you’re involved in an accident while driving the rental car. This type of coverage can help pay for medical bills, property damage, and legal fees that may arise as a result of the accident. It’s important to note that liability coverage does not cover any damage to the rental car itself.
FAQs
Is USAA car rental insurance mandatory?
No, USAA car rental insurance is not mandatory. However, it’s a good idea to consider purchasing coverage if you’re renting a car, as it can provide valuable protection and peace of mind while you’re on the road.
Can I purchase USAA car rental insurance if I’m not a USAA member?
No, you must be a USAA member to purchase car rental insurance from the company.
How much does USAA car rental insurance cost?
The cost of USAA car rental insurance varies depending on the specific policy you choose, as well as the length of time you need coverage for. However, in general, USAA car rental insurance is much cheaper than the coverage offered by rental car companies, and you can often save up to 50% by going through USAA.
Does USAA car rental insurance cover international rentals?
Yes, USAA car rental insurance covers rentals in the US and Canada, as well as rentals in most international locations. However, it’s important to check with USAA before you travel to ensure that your policy will be valid in the country you’re visiting.
How do I file a car rental insurance claim through USAA?
If you need to file a claim for car rental insurance through USAA, you can do so by contacting the company’s claims department. Be sure to have all the necessary information on hand, including the rental car company’s name and contact information, as well as any police reports or other documentation related to the accident.
Conclusion
Overall, USAA car rental insurance can provide valuable protection and peace of mind when you’re renting a car. With affordable rates and comprehensive coverage options, USAA is a great choice for anyone who wants to ensure that they’re fully covered while driving a rental car. So the next time you’re planning a road trip, be sure to consider purchasing car rental insurance from USAA.
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