U.S. Auto Association: Understanding Auto Repair Coverage

USAA offers auto insurance to active-duty military members, veterans, and their immediate family members. The company provides various types of coverage, including comprehensive, collision, and liability insurance. Comprehensive insurance covers the repair or replacement of a vehicle in the event of an accident or other incident, while collision coverage helps pay for vehicle damage related to driving. Liability coverage, on the other hand, protects a driver's assets if they are legally responsible for injury or death and helps pay for repairing or replacing another person's damaged property. USAA also offers windshield repair and replacement coverage through its partnership with Safelite AutoGlass.

USAA insurance covers windshield replacement and repair

USAA insurance offers comprehensive coverage to repair or replace your vehicle if you have an accident or other incident. This includes windshield replacement and repair.

If you have USAA auto insurance, you can get your windshield replaced or repaired at Safelite AutoGlass, a trusted USAA partner. The cost of windshield repair at Safelite is often fully covered by USAA, and if you have the appropriate coverage, you won't have to pay a deductible for this service. If your windshield has three or fewer chips or cracks, each smaller than six inches, it can be repaired. If it has four or more chips or cracks, or the damage is larger than six inches, a full windshield replacement is recommended.

The cost of a full windshield replacement is usually covered by USAA if you have comprehensive coverage, although you may need to pay a deductible. The amount you owe will depend on the extent of the damage, where it's located, your vehicle make and model, and other factors.

USAA also offers optional towing insurance and labour insurance, which can be useful if you need roadside assistance due to a damaged windshield.

USAA offers car replacement assistance

If your car is totaled and you have CRA, USAA will add an extra 20% to your totaled car's actual cash value once your claim is approved. You can then put this money toward purchasing a replacement vehicle. For example, if your car's actual cash value is $10,000, USAA will pay out a total of $12,000.

CRA is different from gap insurance. Gap insurance covers the difference between what is owed on a vehicle and what it is worth. USAA does not offer gap insurance, but it does offer total loss protection, which covers what drivers owe and the car's cash value. CRA, on the other hand, covers the same costs as gap insurance if drivers fully own their cars or have a loan through USAA or other lenders.

To be eligible for CRA, your vehicle must be less than five years old, have less than 15,000 to 24,000 miles, and be the first owner. You must also have a full-coverage policy that includes collision and comprehensive insurance.

USAA insurance covers rental cars

USAA insurance does cover auto repairs, and it also covers rental cars. If you have USAA auto insurance or use a USAA credit card to rent a car, you're covered for car rental insurance. Your USAA car insurance will extend to your rental car in most cases, with a coverage limit similar to that of your primary vehicle when renting in the US. If you have an accident in a rental car, you'll pay the deductible on your auto insurance policy, and your insurance covers the remainder, up to your policy's limit.

Before renting a car, it's important to verify your deductible and coverage limit. Additionally, if you own an older vehicle, your auto insurance may not cover a new rental car, so checking beforehand is recommended. USAA's Alliance Services Portal offers additional discounts and can help cap your liability for rental car damage with select companies.

USAA's Visa and American Express card benefits include rental car insurance. If you pay for your rental car with a USAA credit card, you have secondary coverage for damage and theft of the vehicle up to $50,000. Secondary coverage means you'll still need to file a claim with your primary insurer and pay the deductible, which may result in higher car insurance premiums. To make a claim through your USAA credit card, you must do so within 60 days of the incident, and certain conditions, such as reckless driving, would void your coverage.

When renting a car, it's important to ensure you rent it in your name for no more than 31 consecutive days using your USAA credit card, and you must pay the full rental with your card, USAA reward points, or a combination of both. You cannot split the cost with another credit card, and you must decline the CDW/LDW offered at the rental car counter.

Along with damage, vandalism, or theft of the vehicle, USAA also covers loss-of-use fees, towing costs, and personal injury or damage to personal property, damages to other vehicles or property, or injury to another person.

USAA insurance covers motorcycles, RVs and boats

USAA insurance offers coverage for motorcycles, RVs, and boats.

Motorcycle insurance is provided through Progressive, and USAA members can get discounted rates. The cost of insurance depends on the individual and the bike, but USAA/Progressive is often a cheaper option than other providers.

RV insurance is also offered through Progressive, and covers all types of RVs, including fifth-wheel trailers and class A, B, and C motorhomes. USAA RV insurance is available in all 50 states and Washington, D.C., and offers comprehensive and collision coverage, as well as liability, uninsured motorist, emergency assistance, vacation, and roadside assistance coverage.

Boat insurance is also available through USAA, although some customers report that their boat insurance is provided by Progressive. USAA boat insurance is available in all 50 states, and customers can manage their policies through the USAA mobile app.

USAA insurance covers roadside assistance

USAA insurance is available to military members, veterans, and their families. It offers a wide range of insurance products, including auto insurance. USAA auto insurance provides various coverage options, including comprehensive, collision, liability, uninsured and underinsured motorist coverage, and full coverage. In addition to these standard coverage options, USAA also offers several optional add-ons, including roadside assistance.

USAA's roadside assistance is available 24/7 and provides services such as towing, fuel delivery, jump-starts, and flat tire replacements. The service typically takes around 60 to 90 minutes to arrive, depending on your location and road conditions. The cost of adding roadside assistance to your USAA auto policy is approximately $18 to $24 per year, or $1.50 to $2 per month, a very affordable option for those who need it.

To request roadside assistance from USAA, you can call their dedicated phone line at 800-531-8555, submit an online claim, or submit a claim through the USAA mobile app. It is important to note that USAA's roadside assistance services are provided through Cross Country Motor Club, Inc. in most states, with a few exceptions.

USAA's roadside assistance has a towing limit of up to 50 miles, and the specific coverage may vary by state. While it covers most emergency services, it is important to note that it does not cover the cost of fuel delivery. Additionally, while flat tire replacement labour is covered, you will need to provide the spare tire.

Overall, USAA's roadside assistance is a valuable and affordable option for military families, providing peace of mind and essential services in case of a roadside emergency.

Frequently asked questions