What is USAA’s policy on rental car coverage during the claims process?
USAA’s policy on rental car coverage during the claims process covers most rental expenses when your car is in the shop for repairs after a covered claim. However, you must have USAA rental car reimbursement, averaging $6/mo, to be covered. Below, we'll explain how to get a USAA car rental after an accident.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...
Farmers CSR for 4 Years
UPDATED: Oct 24, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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You might wonder what USAA’s policy on rental car coverage is during the claims process. To get a USAA rental car after an accident, you must carry rental car reimbursement coverage. USAA offers different types of auto insurance coverage, including rental reimbursement.
USAA’s rental reimbursement coverage is extremely useful when your car is stuck in the shop for repairs since renting a car for an extended period can burn a hole in your pocket. In this article, we’ll explain more about USAA’s rental car insurance and how to get USAA rental car coverage.
USAA’s Policy on Rental Car Coverage During the Claims Process
So, does auto insurance cover rentals? USAA can cover your car rental only if you have purchased rental reimbursement or transportation expense coverage on your auto insurance policy. If you would like to buy rental reimbursement after your policy is in effect, you can add coverages in the middle of your policy term.
USAA rental coverage begins when the shop starts vehicle repairs or immediately after an incident where your vehicle becomes inoperable.Scott W. Johnson Licensed Insurance Agent
USAA’s preferred rental partner is Enterprise, and the insurance company will pay Enterprise directly. However, you can choose to pay for a car rental first and get reimbursed later. In that case, you will need to fill out a separate form to claim rental reimbursement.
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How Auto Insurance Works With USAA Rental Car Reimbursement Coverage
Your auto insurance covers a rental during car repairs if you purchased USAA rental reimbursement as an add-on with comprehensive and collision coverage. Rental reimbursement coverage is a convenient option to have, but it only applies when your car is in the shop for approved repairs after an incident — not for routine maintenance.
However, remember you’ll pay extra for add-ons like USAA’s rental reimbursement insurance. Check out the table below to see how much you could pay for USAA rental car reimbursement vs. competitors:
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $8 |
| American Family | $7 |
| Erie | $6 |
| Geico | $7 |
| Liberty Mutual | $9 |
| Nationwide | $8 |
| Progressive | $8 |
| State Farm | $7 |
| Travelers | $8 |
| USAA | $6 |
USAA rental reimbursement coverage comes with per-day and per-claim limits. This means that USAA won’t cover you beyond a certain dollar amount for each day’s rental and won’t reimburse you once you have crossed the per-claim limit. Both these limits will be stated in your USAA car insurance policy.
Steps for Renting a Car Under a USAA Rental Reimbursement Policy
According to USAA’s policy, you first need to ensure that your car has been inspected and you have an approved repairs estimate. You can then log in to the online claims center and click “Reserve a Rental Vehicle” to book a car. You can also call your nearest Enterprise facility to book a vehicle. USAA recommends booking your rental car online or via the USAA mobile app to avoid delays.
Once your car is booked, you can then head to the rental car facility to pick up your car. If you choose to pay out of pocket for a rental and get reimbursed later, you will need to speak to your USAA claims adjuster about the process.
Limitations on USAA’s Rental Car Coverage During the Claims Process
USAA has some restrictions on rental reimbursement. The company won’t cover the following:
- Security deposit and gas costs on rentals
- Rental beyond a specified number of days or rental amount
- Rental expenses related to vacations
Additionally, USAA doesn’t cover rental expenses when your car is in the shop for routine maintenance. Repairs must be related to an approved claim through your collision or comprehensive coverage. For other restrictions, refer to your USAA auto insurance policy.
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More About USAA Rental Car Coverage
USAA offers rental reimbursement when your car is in the shop for repairs. However, the coverage is applicable only after a USAA adjuster has inspected the damages and approved a repair estimate. You can place a request for a rental vehicle through USAA’s online claims center or mobile app.
If you’re ready to purchase a USAA rental car reimbursement policy, enter your ZIP code below to begin comparing quotes from the top providers in your area.
Frequently Asked Questions
What type of rental car is covered under my auto insurance policy?
You are covered for the same category or class of vehicle that you drive. If you choose a higher class of vehicle, USAA may not reimburse you for the entire amount. However, you will get reimbursed if your selected class of vehicle isn’t available and you have to rent a higher-class vehicle instead.
Does USAA cover rental cars if my car breaks down?
No, USAA won’t cover a rental car if your car breaks down. Your car must be damaged in a collision to get a USAA rental car.
How long will USAA pay for a rental car?
The USAA rental reimbursement limit is up to 30 days or $900 per claim.
What can I do if I don’t have rental car coverage with USAA?
If you’re not at fault and the other driver in an accident accepts liability, the other driver’s insurance company can pay for your rental vehicle.
Does USAA cover rental cars for repairs?
In most cases, yes. USAA’s policies cover rental car damage up to a limit after an accident, with certain exceptions. However, you should get rental car insurance if you would like to avoid paying a deductible or a higher rate if you damage a rental vehicle.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.