USAA Auto Insurance offers many different types of policies specifically designed to meet the needs of military members, soldiers, and their families. You can choose from basic liability coverage to full coverage with extras like driver assistance and accident forgiveness. Here’s a closer look at the key coverages and coverage options available to you from USAA.
1. Liability Coverage
Most states require drivers to carry liability insurance, which provides financial protection if they are at fault in an accident. Here’s what USAA’s liability insurance covers:
Bodily Injury Liability: Covers the medical bills, lost wages, and other expenses of those injured as a result of an accident caused by the insured.
Property Damage Liability: Covers the cost of repairing or replacing damaged property, such as other cars or buildings, if the insured is at fault in an accident.
2. Accident coverage
Regardless of who is at fault in the accident, collision coverage pays for damage to the insured’s own car. This type of coverage is especially useful for protecting you from the cost of repairing or replacing a severely damaged car.
3. Comprehensive coverage
Comprehensive insurance protects the policyholder’s car from damage in the event of an accident. Vandalism, theft, natural disasters, flying objects, and impact with animals are all examples of this. If people want peace of mind in an accident that does not involve another vehicle, they should purchase comprehensive insurance.
4. Prevent injuries
Personal Injury Protection (PIP) helps pay for medical expenses if the insured or guest is injured in an accident. Depending on the policy and state regulations, PIP can also pay for lost wages, treatment costs, and other related expenses. This policy is important to ensure that you can pay your bills after an accident in which you injure someone else.
5. Uninsured and Underinsured Drivers Insurance
Uninsured and Uninsured Motorist coverage protects car owners if they are involved in an accident with an underinsured driver. This coverage comes in handy if someone hits you and drives away, or if the other driver’s insurance doesn’t cover all the costs.
Uninsured motor vehicle insurance pays for injuries and damages when a driver is at fault for an accident and doesn’t have insurance.
Underinsured motor vehicle insurance: If the driver who caused the accident doesn’t have enough insurance to cover all the costs, the insurance will pay the difference.
6. Roadside Assistance
USAA’s Extra Roadside Assistance program can be helpful if a policyholder’s car breaks down or needs roadside assistance. These include:
Towing
Jump-start a dead battery
Change tires
Deliver fuel
Lock service
Roadside assistance provides peace of mind to military families on the road by ensuring they can get help if something goes wrong.
7. Rent Reimbursement
Rent reimbursement coverage can help pay for a rental car after an approved accident while the policyholder’s own car is being repaired. This additional service offers several options to make things easier, especially for families who rely on one vehicle or need frequent transportation.
8. Waiver of Accidents
USAA offers the option of additional accident coverage. This feature protects members from rising costs after their first accident if they have not been involved in an accident with USAA for five years. Accident waivers help keep rates low and provide financial protection for people who are involved in minor accidents.
9. Glass Coverage
USAA has a “full glass coverage” option, which means the windshield and windows can be repaired or replaced free of charge. This is especially useful in places where windshields are often cracked or damaged due to weather or road construction.
10. Rideshare Insurance
USAA has an add-on called “Rideshare Insurance” that users who drive for companies like Uber or Lyft can opt to use. This benefit ensures that drivers are fully covered while on the job, bridging the gap between their own auto insurance and the rideshare company’s insurance.
11. Gap Insurance
USAA’s gap coverage pays the difference between what you owe on your auto loan or lease and what the car was worth when it was destroyed in an accident. Gap insurance is useful for people who have more debt than their skin : USAA helps members who are stationed overseas or who need temporary coverage outside of the U.S. by providing coverage and support.