I have been with USAA for almost 40 years. When selecting auto insurance, I chose rental car coverage at the pickup truck level, thinking that if I ever need it, I can still tow my boat while my truck was in the shop. Well, my truck was in a minor accident and I need to use the rental coverage. Then, and only then, do I find out that USAA's coverage through Enterprise does not allow me to tow my boat with the rental vehicle. When I selected this coverage USAA never informed me that I could not use a rental pickup truck to tow with. So, I bought rental vehicle coverage that is basically useless in my situation. I have had to search to find a company that will rent me a pickup truck that I can tow with while my truck is in the shop. USAA claims representatives have been unwilling to make any adjustments even though they acknowledge that when I signed up for rental coverage at the pickup truck level there was no disclosure that I could not use the rental vehicle to tow my boat. So, if you have a truck insured with USAA and it is in an accident, be aware that if you get a rental vehicle you cannot tow anything with it! My experience has been so awful on this claim I am considering leaving USAA as a result of their misrepresentation of rental vehicle coverage.
Hi @Skeeter1*, I can certainly understand your frustration but, that is not a USAA policy, it is an Enterprise policy. The rental coverage does not bound you to only using Enterprise. You can choose any rental company you but, I can tell you that the majority of them do not allow towing. We do appreciate your feedback and wish there was more we could do to help. Thank you.
I did not buy my rental coverage through Enterprise - I bought it through USAA. To blame Enterprise is a cop-out on the part of USAA. I have found a company that allows me to tow with their rental vehicle. However, the cost is $20 per day more than USAA will reimburse. By not informing me of these limitations when I purchased rental coverage, it is certainly a misrepresentation on the part of USAA.
To quote your response, "...wish there was more we could do to help." There is a simple solution, reimburse me fully for the rental vehicle I have to get since USAA did not disclose rental vehicle limitations up front. With all the policies I currently have with USAA, my total premiums each year are well over $3000. It is incredible to me that USAA is willing to alienate a long-standing member over a couple of hundred dollars!