Does USAA auto insurance keep you covered if you rent a car from a ride-sharing company like Turo?



Great question @CARJR1, thank you for reaching out to us to verify coverage for renting a vehicle from a ride-sharing company like Turo.   To answer your question, yes, there is coverage when you rent a vehicle.  The named insured and resident family members are covered persons for Liability, Medical Payments and Uinsured/Underinsured motorist coverage when operating or occupying a non-owned vehicle.   If Physical Damage Coverage is carried on any insured vehicle, that coverage extends to a vehicle borrowed or rented by the named insured or resident family member even if that vehicle is being driven by a permissive user and the insured is not in the vehicle. 

The USAA auto policy generally provides the broadest coverage as is shown on the Declarations for a covered person's use of a nonowned vehicle of the following types, as long as it is not available for the regular use of the named insured or any resident family member:

  • Private passenger auto or pickup
  • Private passenger van, which includes 15-passenger vans.
  • Motor home
  • Golf cart
  • Snowmobile
  • All-terrain vehicle
  • Dune buggy
  • Moving van or box-type moving truck for personal use, such as a UHaul van or Penske truck  (Physical Damage does not extend)
  • Trailer not used in business  (For Physical Damage we will provide the broadest coverage shown in the Declarations. Liability, Medical Payments and UM/UIM extend from the towing vehicle.)     

Please visit our website to chat with our insurance specialists to answer any additional questions or concerns you may have.  You may also call our specialists at 800-531-8722 to better assist you with your immediate concerns and questions.  Thank you for you membership and for reaching out to us.  We look forward to hearing from you soon.  ~ Marco