U-Haul Trailer Rental And Usaa Auto Insurance: What You Need To Know

USAA offers insurance for rental cars, but does it cover rental trailers? Well, USAA does provide insurance for travel trailers, which it categorises as non-collapsible trailers for personal use that are towed behind a vehicle. However, if your trailer is collapsible, folding, or pop-up, it may be considered a different category by USAA and could be referred to a partner site for coverage.

USAA's insurance coverage for rental cars is available for those with USAA auto insurance or a USAA credit card. In most cases, this coverage extends to rental cars, with similar coverage limits to your primary vehicle when renting within the United States.

USAA covers travel trailers under recreational vehicle or motorhome policies

USAA offers insurance for travel trailers under its recreational vehicle or motorhome policies. The company categorises a travel trailer as a non-collapsible trailer towed behind a vehicle for personal use only. If your trailer is collapsible, folding, or pop-up, then it may be considered by USAA to be in a different category.

USAA offers a variety of discounts for its members and responsible drivers. Coverage options include liability protection, emergency assistance, and 24-hour claims service.

If you are a current USAA auto policyholder, speak with your insurance agent about whether your current policy covers your rental or if you need supplemental coverage. Not all travel trailers are the same, and both insurance companies and recreational vehicle manufacturers make varying distinctions regarding what classifies as a travel trailer.

USAA also covers most types of RVs, including Class A, B, or C motorhomes. However, they might not cover it directly and may refer you to a partner site like Progressive.

USAA classifies travel trailers as non-collapsible trailers towed for personal use

USAA offers insurance for travel trailers, which it classifies as non-collapsible trailers towed behind a vehicle for personal use only. This means that collapsible, folding, or pop-up trailers may be considered by USAA to be in a different category and could be referred to a partner site for coverage.

USAA's travel trailer insurance provides comprehensive and collision coverage for accidents, theft, vandalism, fire, or weather-related incidents. It also includes emergency assistance and 24-hour claims service.

The cost of coverage depends on factors such as the type of trailer, the amount of the deductible, and the driving history of the insured. USAA offers various discounts for members, responsible drivers, and for going a year or more without making a claim.

It is important to note that USAA's coverage may vary by location, and it is recommended to consult with a USAA agent to determine the specific coverage options available and ensure that your trailer is adequately insured.

USAA offers a variety of discounts for members and responsible drivers

USAA offers a wide range of discounts for its members and responsible drivers. These discounts can help keep insurance rates low and affordable.

USAA offers a safe driver discount for those with a clean driving record for more than five years. Defensive driving and driver training courses can also help members save on their insurance. USAA also offers a good student discount for students aged 16-25 who are enrolled full-time in high school or college and maintain at least a "B" average or a 3.0 GPA.

For vehicle-related discounts, USAA offers savings for insuring a brand-new car, insuring more than one car on the same policy, and driving less than 12,000 miles annually. There is also a discount for vehicles in storage.

Policy-related discounts include savings for family members previously listed as named drivers on a USAA policy, long-time customers, and those who pay their entire premium upfront. Buying multiple types of insurance from USAA, such as home and auto insurance, can also result in significant savings.

USAA also provides special discounts for military members, including up to a 15% discount on comprehensive and collision coverage when the vehicle is stored on a military base. Additionally, deployed individuals who store their vehicles can receive up to a 60% discount on their premiums.

It is important to note that discount availability may vary by state, and it is recommended to check with USAA customer service to determine eligibility for specific discounts.

USAA's basic vehicle coverage includes comprehensive, collision, and liability protection

Comprehensive Coverage

Comprehensive coverage pays for damages or losses not caused by a collision. This includes theft, weather damage, and hitting an animal, among others. If your vehicle is a total loss, comprehensive coverage will pay the actual cash value of your vehicle, not its replacement value. This coverage is subject to a deductible, which is the amount you pay before your insurance company starts paying on a claim. While comprehensive coverage is often required if you lease or finance your vehicle, purchasing it is a smart move regardless.

Collision Coverage

Collision coverage pays for repairs to your vehicle after an accident, regardless of who is at fault. Like comprehensive coverage, collision coverage pays the actual cash value of your vehicle, not its replacement value, in case of a total loss. Collision coverage is also subject to a deductible. Lenders typically require collision coverage if your vehicle is financed. Even if it's not required, collision coverage can provide valuable financial protection.

Liability Protection

Liability protection covers expenses if you are found at fault in an accident. Bodily injury liability covers medical expenses, lost wages, and pain and suffering up to the coverage limits. Property damage liability covers damage to vehicles and other property. Liability coverage can also pay for legal defense costs if you are sued. The minimum liability coverage limits are set by each state, but purchasing higher coverage limits is often advisable for greater financial protection.

USAA also offers 24-hour emergency assistance and claims service

USAA offers 24-hour emergency roadside assistance and claims service. This includes towing, emergency roadside maintenance, and fuel delivery.

If you need to file a claim with USAA, you can do so by calling their 24/7 phone number: 1-800-531-8722. The average hold time is less than 1 minute, and the shortest wait times are on Sundays.

USAA also provides a service where you can skip the hold by leaving your valid US phone number and having a USAA representative call you back. This is a one-time fee service, and you are only charged for successful calls.

In addition to 24/7 phone support, USAA also offers an online claims service. To access this, log in to your USAA account on their website, locate the "Contact Us" button in the top right corner, choose the topic related to your inquiry, and select "Email Us" as your preferred contact method.

USAA's emergency roadside assistance is available 24 hours a day. To check if you have roadside assistance, call a USAA customer service representative. If your vehicle breaks down, you can call USAA's emergency road service on their toll-free number: 1-800-531-8555.

While USAA offers 24-hour emergency assistance and claims service, some customers have reported issues with their roadside assistance. There are reports of long wait times and difficulties getting reimbursed for towing services. However, USAA is consistently ranked as one of the top insurers in the US due to its competitive rates and comprehensive policies.

Frequently asked questions