Does USAA cover me driving someone else’s car?

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Does USAA cover me driving someone else’s car?

Yes, USAA car insurance covers you driving someone else’s car in most cases. This is known as permissive use coverage. However, there are some exceptions:

  • If you are driving a car that is not owned by a family member or household member, you may need to have the owner’s permission to drive their car in order to be covered.
  • If you are driving a car that is used for business purposes, you may need to have commercial auto insurance coverage.
  • If you are driving a car that is not registered or insured, you may not be covered.

If you are unsure whether or not you are covered to drive someone else’s car, you should contact USAA to confirm.

Here are some additional things to keep in mind about USAA permissive use coverage:

  • Your coverage will be limited to the limits of the owner’s policy.
  • You may still be liable for any accidents that you cause, even if you are covered by the owner’s policy.
  • If you have a poor driving record, you may be required to pay a higher deductible or premium.

If you are planning to drive someone else’s car, it is important to be aware of the risks involved and to make sure that you have adequate insurance coverage.

Does USAA cover permissive drivers?

Yes, USAA car insurance covers permissive drivers in most cases. This is known as permissive use coverage. Permissive use coverage means that if you lend your car to someone else to drive, and they have an accident, your insurance policy will cover them, up to the limits of your policy.

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However, there are some exceptions to permissive use coverage. For example, if you lend your car to someone who is excluded from your policy, or who is using your car for business purposes, they may not be covered. Additionally, some states have laws that limit or restrict permissive use coverage.

It is important to note that permissive use coverage is not the same as non-owner insurance. Non-owner insurance is a type of car insurance that covers people who drive cars that they do not own. If you are a frequent borrower of cars, you may want to consider purchasing non-owner insurance to protect yourself.

Does USAA cover other drivers?

Yes, USAA covers other drivers in most cases. This is known as permissive use coverage. Permissive use coverage means that if you lend your car to someone else to drive, and they have an accident, your insurance policy will cover them, up to the limits of your policy.

However, there are some exceptions to permissive use coverage. For example, if you lend your car to someone who is excluded from your policy, or who is using your car for business purposes, they may not be covered. Additionally, some states have laws that limit or restrict permissive use coverage.

To be sure that other drivers are covered when driving your car, it is important to check with your USAA agent to review your policy and discuss any specific exclusions or restrictions.

Here are some examples of when other drivers may be covered by your USAA car insurance policy:

  • Your spouse or partner borrows your car to go to the grocery store.
  • Your child borrows your car to go to school.
  • Your friend borrows your car to help you move house.
  • A rental car company rents you a car that is insured by USAA.
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If you are unsure whether or not another driver will be covered by your USAA car insurance policy, it is always best to err on the side of caution and contact your agent.

USAA permissive use policy

USAA’s permissive use policy states that anyone who is given permission to drive your vehicle is covered by your insurance policy, up to the limits of your policy. This includes family members, friends, and even strangers.

However, there are some exceptions to USAA’s permissive use policy:

  • The driver cannot be excluded from your policy.
  • The driver cannot be using your vehicle for business purposes.
  • The driver cannot be under the influence of alcohol or drugs.
  • The driver cannot be committing a crime.

If a driver who does not meet one of these criteria has an accident while driving your vehicle, your insurance policy may not cover them.

It is important to note that permissive use coverage is not the same as non-owner insurance. Non-owner insurance is a type of car insurance that covers people who drive cars that they do not own. If you are a frequent borrower of cars, you may want to consider purchasing non-owner insurance to protect yourself.

To learn more about USAA’s permissive use policy or your specific policy, you can contact USAA customer service.

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