How long does USAA cover car rental collision?
USAA provides coverage for collision damage to a rental car for up to 30 days when you rent a vehicle with your USAA credit card and decline the rental company’s collision damage waiver (CDW) or loss damage waiver (LDW).
When you rent a car using your USAA credit card, you will automatically be covered for collision damage waiver benefits. This coverage includes physical damage and theft for up to $50,000 per incident and up to $250,000 per 12-month period. Coverage is secondary to any other insurance you have, meaning it will only apply after your primary insurance has been exhausted. Additionally, this coverage does not apply to certain types of vehicles, such as antique cars, limousines, or off-road vehicles.
What other benefits does USAA credit cards offer for car rentals?
USAA credit cards also offer benefits such as roadside assistance, trip cancellation and interruption insurance, travel accident insurance, and travel and emergency assistance services.
What is the difference between USAA’s CDW coverage and the rental company’s CDW?
USAA’s Collision Damage Waiver (CDW) coverage provides protection for physical damage and theft of the rental vehicle, while the rental company’s CDW typically includes coverage for liability and personal injury protection as well.
Does USAA cover liability insurance for rental cars?
No, USAA’s Collision Damage Waiver (CDW) coverage only covers physical damage and theft of the rental vehicle. You may need to purchase liability insurance separately from the rental company or through your own insurance provider.
Can I use USAA’s CDW coverage for business rentals?
Yes, USAA’s Collision Damage Waiver (CDW) coverage can be used for both business and leisure rentals as long as you rent the vehicle using your USAA credit card.
Can I decline the rental company’s CDW and still be covered by USAA?
Yes, as long as you rent the vehicle using your USAA credit card, you can decline the rental company’s Collision Damage Waiver (CDW) and still be covered by USAA’s CDW benefits.
Does USAA offer CDW coverage for international car rentals?
Yes, USAA’s Collision Damage Waiver (CDW) coverage applies to international car rentals as long as you rent the vehicle using your USAA credit card.
Can I use USAA’s CDW coverage for long-term rentals?
USAA’s Collision Damage Waiver (CDW) coverage applies to rentals up to 30 days in length. If you plan to rent a vehicle for longer than 30 days, you may need to purchase additional coverage.
Does USAA cover rental cars outside of the United States?
Yes, USAA’s Collision Damage Waiver (CDW) coverage applies to rental cars outside of the United States as long as you rent the vehicle using your USAA credit card.
What is the process for filing a claim with USAA for rental car damage?
To file a claim for rental car damage with USAA, you will need to contact their claims department and provide documentation such as the rental agreement, police report (if applicable), and any other relevant information.
Does USAA offer rental car insurance for non-members?
No, USAA’s Collision Damage Waiver (CDW) coverage is only available to USAA members who rent a vehicle using their USAA credit card.
Can I add additional drivers to USAA’s CDW coverage for rental cars?
Yes, you can add additional drivers to USAA’s Collision Damage Waiver (CDW) coverage as long as they are listed on the rental agreement and meet USAA’s eligibility requirements.