When you’re renting a car, one of the biggest decisions you need to make is whether or not to purchase rental car insurance. Many people are unsure if their credit card offers any type of coverage for rental cars. If you are a USAA credit cardholder, you might be wondering, “Does my USAA credit card cover rental car insurance?” The answer is yes, but with some limitations.
USAA offers a Collision Damage Waiver (CDW) benefit for eligible USAA credit cardholders when they use their card to pay for the entire rental transaction. This means that if you decline the rental company’s collision insurance and charge the entire rental cost to your USAA credit card, you may be covered in case of damage or theft to the rental car.
It’s important to note that the coverage provided by USAA is secondary to any other insurance you may have, including your personal auto insurance policy. This means that you will need to file a claim with your primary insurance provider first before USAA will step in to cover any remaining costs.
1. What type of rental car insurance does USAA credit card provide?
USAA credit card offers a Collision Damage Waiver (CDW) benefit for eligible cardholders.
2. Do I need to pay for the entire rental transaction with my USAA credit card to be eligible for coverage?
Yes, you must charge the entire rental cost to your USAA credit card in order to be covered.
3. Is the coverage provided by USAA credit card primary or secondary?
The coverage provided by USAA is secondary to any other insurance you may have.
4. What does the Collision Damage Waiver (CDW) benefit cover?
The CDW benefit covers damage or theft to the rental car.
5. Does USAA credit card cover liability insurance for rental cars?
No, the coverage provided by USAA credit card does not include liability insurance.
6. Are there any restrictions on the types of rental cars covered by USAA credit card insurance?
Yes, certain luxury or high-value cars may not be covered by USAA credit card insurance.
7. How long does the rental period need to be for USAA credit card insurance to be valid?
The rental period must not exceed 31 consecutive days for coverage to be valid.
8. Can I decline the rental company’s collision insurance if I have USAA credit card coverage?
Yes, you can decline the rental company’s collision insurance if you have USAA credit card coverage.
9. Do I need to notify USAA before renting a car to activate the coverage?
No, you do not need to notify USAA before renting a car to activate the coverage.
10. Does USAA credit card cover rental cars internationally?
Yes, USAA credit card coverage is valid for rentals in most foreign countries.
11. Can I add additional drivers to the USAA credit card insurance coverage?
Yes, additional drivers listed on the rental agreement may be covered under the USAA credit card insurance.
12. Are there any exclusions to the coverage provided by USAA credit card for rental cars?
Yes, exclusions may apply, such as driving under the influence or reckless driving.