What is USAA’s policy on rental car coverage during the claims process?
USAA’s policy on rental car coverage during the claims process is detailed on the USAA website. If you have USAA rental reimbursement as part of your auto insurance policy and your vehicle is not driveable, you are covered immediately. Here's what you need to know about getting a rental car covered by USAA.
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Diego Anderson
Licensed Real Estate Agent
Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...
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UPDATED: Feb 9, 2024
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UPDATED: Feb 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- USAA will cover your rental car during the claims process, as long as you have rental reimbursement on your policy
- You can schedule your rental car online in the My USAA Claims Center
- You are covered for a rental immediately if your vehicle is not drivable
If you have your auto insurance with USAA, and you were recently involved in an accident that has made your vehicle undrivable, you might understandably be wondering “What is USAA’s policy on rental car coverage during the claims process?”
Keep reading to learn the answer to this key question, as well as related tips and advice about car insurance coverage.
USAA’s Policy on Rental Car Coverage During the Claims Process
USAA’s policy on rental car coverage during the claims process is pretty clearly spelled out on the USAA website. In short, if you have rental reimbursement on your comprehensive car insurance or collision policy with USAA, the company will cover your rental car.
If the accident or other incident made your vehicle undrivable, you will be covered for the rental car immediately. Otherwise, it will start once your vehicle is in the shop for repairs.
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How to Arrange for USAA Rental Car Coverage During the Claims Process
If you have rental car coverage with USAA, and you need to arrange for a rental car while your vehicle is being repaired, here is some great news: You can schedule the rental online, all from the comfort of your home. To start the reservation process for your rental car:
- Go to the Claims Status section of the My USAA Claims Center on the website
- Click on the Request Now link in the Reserve a Rental Vehicle section
- Fill in the requested information
You can arrange for the rental car through the USAA website or the USAA app. USAA uses Enterprise as its preferred provider for rental vehicles.
USAA’s Policy on Adding Rental Car Coverage
Checking to see if you have rental car coverage with USAA is easy. Log onto the company website or USAA app to see your auto policy coverage details.
If you have rental car reimbursement coverage, it will be included in the information. You can also call your agent, if you have one, to confirm that you have full coverage car insurance.
If you do not have rental car reimbursement coverage, ask about adding it. In the case that you do not have rental car coverage through USAA and your vehicle has been damaged in an accident, contact the other driver’s insurance company.
If you were determined to not be at fault in the accident, and the other driver admits fault, the other insurance company should be able to provide you with a rental.
Additional Tips on USAA’s Policy on Rental Car Coverage During the Claims Process
If your vehicle has been damaged but is still drivable, there are some specific steps to take when getting rental car coverage during the claims process with USAA.
As it notes on the USAA website, prior to making a reservation for a rental, be sure that your vehicle has been inspected using one of the insurance company’s options, like the Direct Repair Program.
You must also have an approved estimate in place. As long as you have rental car coverage on your policy, it will begin on the first day your vehicle is being repaired, and will end once the repairs have been completed.
Final Thoughts on USAA’s Policy on Rental Car Coverage During the Claims Process
Being in an accident, or finding that your vehicle has been damaged in a storm or other incident can be very upsetting. Fortunately, USAA’s policy on rental car coverage during the claims process is pretty straightforward. The USAA website explains how to file a car insurance claim and arrange for a rental.
If you have rental reimbursement on your auto policy, you will be covered for a rental. You can also easily add it to your policy, which may provide you with invaluable peace of mind in case you are ever in a fender bender.
Read more: What information do I need to provide when filing a car insurance claim with USAA?
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Frequently Asked Questions
How well does USAA handle claims?
According to J.D. Power’s latest claims satisfaction survey, USAA is good at paying claims, as compared to the average insurance company.
How long does a USAA auto claim take?
A simple claim with USAA may take only an hour, whereas more complex claims may take weeks.
Does USAA pay its claims?
In the case of most serious accident claims, USAA will make a reasonable settlement offer before trial.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Diego Anderson
Licensed Real Estate Agent
Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...
Licensed Real Estate Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.