U.S. Auto Insurance: Who Qualifies For Usaa Coverage?

USAA car insurance is exclusively available to US military members and their families. This includes active, retired, and separated veterans who have been honorably discharged. Immediate family members of military members and veterans are also eligible to join, including spouses, widows, widowers, and stepchildren. USAA members can pass on membership to their spouses and children, but not to their parents or siblings.

Eligibility for spouses, widows, widowers, and former spouses of USAA members

Spouses, widows, widowers, and former spouses of USAA members are eligible for USAA auto insurance. This is provided that the USAA member is a current or former member of the military, or has died while being signed up to USAA.

If a USAA member remarries, their new spouse's children are eligible for membership. However, if the USAA member is a widow or widower and remarries, their new spouse and their children will not be eligible for USAA membership. This is because USAA membership cannot be passed on to grandparents.

Former spouses of USAA members can keep their membership after divorce, but only if they became a member while they were still married.

To become a USAA member, eligible spouses, widows, widowers, and former spouses must provide proof of their relationship to the USAA member, as well as proof of the USAA member's military service.

Eligibility for children and stepchildren of USAA members

USAA offers insurance for military members and their families, including spouses, children, and stepchildren. If you are the child or stepchild of a USAA member, you can qualify for USAA insurance. This is also true if your parent was a USAA member but is now deceased. However, you will only be able to sign up while your military parent is alive. If your parent was a veteran but not a USAA member, you cannot become a USAA member.

If you are a stepchild, you can qualify for USAA insurance if your stepparent is a USAA member. If your stepparent is a U.S. citizen, you may be eligible to immigrate to the United States, whether or not your stepparent adopts you. Your stepparent can petition for your immigration by filing a Form I-130, Petition for Alien Relative, with USCIS on your behalf.

If you are a parent or stepparent who is a USAA member, your children and stepchildren are eligible for USAA membership. If you remarry, your new spouse's children are also eligible for USAA membership. However, your parents are not eligible to join USAA based on your membership.

Eligibility for grandchildren of USAA members

To be eligible for USAA membership, you must be a member of the military, a veteran, or the spouse, child, or stepchild of someone who is. Grandchildren can also qualify for USAA membership, but only if their parent and grandparent are both USAA members.

If you are a grandchild of a USAA member, you can become a USAA member in one of two ways:

• If your grandparent adopts you and they are your legal guardian.
• If your parents are USAA members because one of their parents was a USAA member. No generations can be skipped in terms of USAA membership.

It is important to note that if your grandparent was not a USAA member while they were alive, you will not be able to open an account.

Eligibility for adult children of USAA members

Adult children of USAA members are eligible for USAA membership, as long as their parent joins USAA while they are still alive. This eligibility does not extend to the adult children of deceased parents who were not USAA members themselves.

To sign up, adult children of USAA members must provide a birth certificate that lists the name of the parent who is a USAA member.

Once adult children become USAA members, they can pass on membership to their spouses and children. However, USAA membership cannot be passed on to parents or siblings.

Eligibility for cadets, midshipmen, and pre-commissioned officers

USAA insurance is available to cadets, midshipmen, and pre-commissioned officers, but eligibility requirements must be met.

Cadets

Cadets at the United States Military Academy, the United States Air Force Academy, or the Coast Guard Academy are entitled to the allowances provided by law for a midshipman in the Navy. This includes travel and transportation allowances while travelling under orders as a cadet.

Midshipmen

Midshipmen at the United States Naval Academy are also entitled to the allowances provided by law for a midshipman in the Navy, as well as travel and transportation allowances. Each midshipman who is not furnished with a Navy ration is entitled to the commuted value of the ration in money for each day they are on active duty, including leave days.

Pre-Commissioned Officers

Pre-commissioned officers, such as contracted cadets or midshipmen enrolled in a service academy, are eligible for USAA insurance. They must provide their commissioning source and date, in addition to their branch of service.

Frequently asked questions