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USAA Rideshare Endorsement (Spoiler: It SUCKS!)

2130 Views 17 Replies 4 Participants Last post by  142605
If you have USAA and their "rideshare endorsement" and think you're covered, think again.

Unlike with Geico "Hybrid" or State Farm rideshare, none of your USAA coverage applies to period 2 (picking up a passenger) or period 3 (driving with a passenger).

That means if you get in an accident while Ubering you have NO TOWING. No, your USAA Roadside service will not tow you if you're in an accident while driving for Uber (I know I tried). It also means no MEDICAL coverage and no RENTAL CAR coverage. Uber doesn't provide towing, medical, or rental either. If your car takes a month to fix then you're just out of luck.

Geico ("Hybrid"), State Farm (ride share), and perhaps others would arrange a tow for you, get you a rental, and cover any medical expenses if you had that coverage. USAA doesn't... I really hope they fix that because they're otherwise a great company.

In my case, a Geico "Hybrid" Commercial policy cost just a few dollars more that USAA for a lot more coverage. I urge everyone to share their opinions... being in a wreck is awful, but being in a wreck while driving for Uber with USAA is even worse.

By the way... "Hybrid" in this case refers to the type of insurance policy, a "hybrid" between personal and commercial. It has nothing to do with hybrid vehicles like Prius.
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Did you sign up for USAA rideshare "gap coverage"? You need to add this, it is a few extra dollars a month on my policy.
You claimed USAA does not cover period 2, but according to their website it does, as long as you have gap coverage.

Maybe you can't see the website because youre not a member?
IDK, I think you have it wrong.

Disclosures: Countrywide average price for policyholders who have $100,000 per person/$300,000 per accident Bodily Injury coverage. Rideshare Gap Protection extends your personal auto policy coverage from the time you turn on the rideshare app until you are matched with a passenger. Rates vary by location and risk and are subject to change.
Its not a commercial policy, but it guarantees you have coverage, either your own insurance or RS coverage. This wouldn't be the case without gap insurance where there would be a completely uninsured period.

Let me know if you think there is a time when I don't have any kind of coverage. It is a bare bones policy, but the advantage is that it only costs a few dollars extra each month and that USAA won't cancel you because you are ridesharing.
I didn't realize the sky was falling.

The USAA gap coverage does exactly what I intend. Its not a commercial policy. Your thread was basically trying to scare people away from something that you decided not to buy for yourself. You made it sound like there were serious problems with the USAA product.

Anyone that has USAA gap knows what it is and what it isn't.

Nothing to see here.
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