Car Rental Insurance

Does USAA Cover Rental Cars?

USAA rental cars

Do you get confused at the rental car counter about how much insurance coverage you need? You're not alone. If you own USAA auto insurance for your primary vehicle or if you pay for your rental car with a USAA credit card, the good news is that you're generally covered for rental cars.

But there are caveats. Here's what you need to know.

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Do You Need Personal Accident Insurance When You Rent a Car?

Personal Accident Insurance for rental cars

It's important to know what your health insurance and life insurance cover before you walk up to a rental car counter. The rental car company will try to sell you supplemental coverage, including collision insurance that protects the rental car itself and liability insurance in the event you cause damage to another person's property or injury to another person.

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Do You Need Personal Effects Coverage When You Rent a Car?

Personal Effects Coverage for rental cars

Before you walk up to the rental car counter, it's very important to know whether you need to buy rental car insurance. The rental car company will try to sell you supplemental coverage, including collision insurance that protects the rental car itself and liability insurance in the event you cause damage to another person's property or injury to another person.

Neither of those policies will cover your own personal property that might get stolen or damaged. For example, if your coat or laptop gets stolen from the back seat of the car, the theft will not be included in CDW/LDW or liability coverage.

To fill this gap, rental car companies sell high-cost coverage with limited benefits through an insurance product called Personal Effects Coverage. But do you need it?

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Does Progressive Car Insurance Cover Rental Cars?

Progressive rental car coverage

When you step up to the rental car counter, do you know how much insurance coverage you need? If you own Progressive auto insurance for your primary vehicle, the good news is that you're also covered for rental cars. The caveat is that this coverage extends to the same limits of your personal auto insurance policy.

Your Progressive car insurance covers rental cars to the same limit. That means if you drive a brand new Audi and rent a compact car, you're good to go. But what if you own a 2004 Kia Rio with 170,000 miles and want to rent a full-size sedan loaded with the latest features? That's where you might be under-insured.

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Does AAA Cover Rental Cars?

AAA rental car coverage

The American Automobile Association, better known as Triple A or AAA, was founded in 1902. It has grown to be a vast network of motor clubs with over 58 million members in the United States and Canada.

AAA membership is not the same as AAA auto insurance, although AAA does offer insurance that members can purchase separately. AAA is best known as an emergency service provider of roadside assistance. AAA members also get access to member discounts and have the ability to buy insurance and vacation packages through the organization's travel services.

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