If your vehicle is totaled in an accident, gap coverage could help you purchase another vehicle. When purchasing your vehicle, you can sign up for guaranteed asset protection (GAP) insurance through USAA. Gap coverage would pay the difference between how much you owe the lender for your vehicle and how much you originally paid for the vehicle. Your collision or comprehensive deductible still applies before gap coverage kicks in.
You can add rental reimbursement, sometimes called transportation expense coverage, to your auto insurance policy. USAA covers rentals when your covered vehicle repairs begin. If your vehicle isn’t drivable, simply make an Enterprise reservation online or through USAA’s mobile app to get your rental car the fastest.
USAA car insurance policies typically cover the following roadside assistance tasks:
- Tow: For mechanical trouble, USAA will tow a customer’s vehicle to a nearby repair shop.
- Jump start: USAA will send someone to jump-start a dead battery.
- Flat tire: The company will provide service to replace the flat if the car has a spare tire or will tow the vehicle to a service station.
- Lockout: If a customer can’t get into the vehicle, the company can send a technician to unlock the car.
- Fuel delivery: USAA will deliver fuel to a policyholder’s vehicle that runs out of gas. The customer will need to pay for the fuel itself, however.
- Stuck vehicle: For customers whose vehicles get stuck in the mud or snow, the company will provide assistance to get them moving again.
Storing Your Car on a Military Base
USAA members who garage their vehicles on military installations could save up to 15 percent. The company provides guidelines for how to safely store a vehicle during a deployment. Many military bases offer designated parking lots for vehicles while the owners are on deployment.
The company also has a robust windshield insurance and repair service for its auto insurance policyholders. The policies usually cover the following:
- Windshields: From small chips to entire windshields, USAA repairs or replaces the glass.
- Side and rear windows: The company also fixes or replaces damaged side or rear windows.
- Sunroofs and other windows: USAA makes damaged roof glass leakproof and fully operational.
However, most USAA car insurance policies do not cover damage to headlights, taillights, side markers, and fog lights.