what does usaa car insurance cover

USAA car insurance offers a variety of coverage options to meet the needs of its members. The most common types of coverage include:

  • Liability coverage: This pays for bodily injury and property damage that you cause to others in an accident. Liability coverage is required by law in most states.
  • Collision coverage: This pays to repair or replace your car if it is damaged in an accident, regardless of who is at fault.
  • Comprehensive coverage: This pays to repair or replace your car if it is damaged by something other than an accident, such as theft, fire, or weather.
  • Uninsured and underinsured motorist coverage: This protects you if you are hit by a driver who does not have insurance or does not have enough insurance to cover your losses.

USAA also offers a variety of optional coverage options, such as:

  • Rental car reimbursement: This pays for the cost of renting a car while your car is being repaired or replaced after a covered loss.
  • Roadside assistance: This provides 24/7 assistance for things like flat tires, dead batteries, and lockouts.
  • Gap insurance: This pays the difference between the amount you owe on your car and its actual cash value if it is totaled in an accident.
  • Mechanical breakdown insurance: This pays for the cost of repairs to your car’s engine and other mechanical components.

When choosing car insurance coverage, it is important to consider your individual needs and budget. USAA offers a variety of online tools and resources to help you choose the right coverage for you. You can also speak with a USAA insurance representative to get personalized advice.

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Please note: The information provided is general in nature and may not apply to all USAA car insurance policies. Please consult your policy or contact USAA for more information

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