U.S.A.A. Insurance: Who Or What Is Covered?

USAA is a car insurance company that offers insurance exclusively to military members, veterans, and their families. It is rated the No. 1 company in the US for customer service, claims handling, and discounts.

USAA's car insurance typically follows the car, not the driver. This means that if you lend your car to someone else, your insurance policy will cover specific damages if they get into an accident. However, this may vary depending on the state and specific insurance policy. It is important to note that only drivers listed on the policy are covered at the full policy limits.

USAA insurance is only available to military members, veterans, and their families

USAA insurance is available to current and former military members from any branch of service, including the National Guard and Reserve. This includes retired and honourably discharged veterans.

Family members of current USAA members or those who have served in the US military are also eligible for USAA insurance. This includes spouses, widows, widowers, and un-remarried former spouses, as well as children and stepchildren of current and former military members. In some cases, parents and grandparents of USAA members may also be eligible.

To apply for USAA insurance, eligible individuals must provide documentation to verify their military service or their relationship to a military member. This typically includes a Social Security number, a valid government-issued ID, and proof of military service or familial relationship.

USAA offers a range of insurance products, including auto insurance, homeowner's insurance, life insurance, renter's insurance, and more. They also provide banking services and investment opportunities. USAA is known for its excellent customer service and high customer satisfaction ratings.

USAA offers 12 car insurance discounts for its members

USAA insurance is only available to current and former members of the military and their families. It is the cheapest among companies analysed for drivers with a speeding ticket or accident on their record. USAA offers 12 car insurance discounts for its members:

• Bundle and save (multi-policy discount): You can save up to 10% when you bundle USAA auto and home policies.
• Military on-base discount: You can save up to 15% on your policy's comprehensive coverage when you keep your vehicle on a military base.
• Good student discount: College students and teenagers can qualify for discounts if they have a "B" average from the preceding semester. Students must be enrolled full-time and maintain a 3.0 GPA.
• Clean driving record discount: Also known as the Premier Driver Discount, this requires you to have a clean driving record for at least five years.
• Safe driver discount: Have a good driving record for more than five years and you’ll earn a discount from USAA.
• Defensive driver training discount: Make sure to get this discount if you take an approved defensive driving course.
• Basic driver training course discount: Drivers under the age of 21 can take a basic driver training course for a discount.
• Newer vehicle discount: If your vehicle is less than three years old, you might receive a discount.
• Anti-theft devices discount: Comprehensive coverage protects several types of window glass as well as damage to headlights and taillights.
• Deployment/storing discount: You can save as much as 60% on your car insurance when you store your car—for example, when you’re away on deployment.
• Driving less discount: Drivers who are 29 years of age or older can get a discount based on the number of miles driven each year.
• Loyal member discount: Long-time members are eligible for savings.
• Multi-vehicle discount: You might get a discount if you have policies on two or more vehicles.
• MyUSAA Legacy discount: USAA offers up to a 10% discount for former dependents under the age of 25 with a clean driving record. They must have had coverage on their parents' policy for at least three years.

USAA offers rideshare insurance with guaranteed repairs at over 2,900 locations

Rideshare insurance covers you when driving for Uber, Lyft, and other transportation network companies (TNCs). Without it, you may be uninsured or underinsured in many situations. For example, if you are online and waiting for a ride request, you may not be covered by either your personal or rideshare company's policy. This is where the "gap" appears, and you may be required to pay for any damages out of pocket.

USAA's rideshare insurance helps protect your ride, income, and financial security by covering repairs, liability, and claims expenses. You can adjust your coverage limits and deductibles to fit your needs and budget.

USAA's rideshare insurance is available in most states except Hawaii, Michigan, Montana, New Mexico, New York, North Carolina, South Carolina, and Virginia.

USAA has the highest scores for customer service and claims handling

USAA also stands out for its claims handling, with 65% of survey respondents completely satisfied with the ease of filing a claim, and 67% completely satisfied with how their claim was resolved. When it came to getting updates about their claims, 61% responded that they were completely satisfied.

USAA's customer service and claims handling have received high praise, with the company earning the highest scores among those reviewed. The company's performance in these areas has contributed to its ranking as the number one car insurance company in several reviews.

However, it is important to note that there are also negative reviews of USAA's customer service and claims handling. Some customers have reported difficulties in getting their questions answered and claims resolved, with long wait times and poor communication from the company.

USAA has a high number of consumer complaints

USAA insurance is only available to current and former members of the military and their families. While it is rated No. 1 for customer service, claims handling, and discounts, it has received a high number of consumer complaints.

USAA has received numerous complaints from customers about its service. Customers have reported issues with communication, claim delays, unsatisfactory settlement claim offers, adjuster handling of claims, claim denials, and rates. There have also been complaints about the company's roadside assistance service, with some customers reporting long wait times for tow trucks and a lack of coordination between USAA and the towing companies.

The Better Business Bureau (BBB) has recorded 4,121 total complaints against USAA in the last 3 years, with 1,688 complaints closed in the last 12 months. On Trustpilot, USAA has a rating of 2.7 out of 5 stars, with many customers reporting negative experiences with the company's service.

Customers have also complained about billing issues, such as being charged for insurance on a vehicle that was deemed a total loss, and issues with cancelling policies. In addition, some customers have reported difficulties in reaching customer service representatives and getting their issues resolved.

It is important to note that while USAA has received a high number of complaints, it also has a large customer base, and some customers have reported positive experiences with the company's service.

Frequently asked questions