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How does USAA car replacement assistance work?

What is car replacement insurance? I've been looking at USAA for my insurance but the company has all these add-on policies. I don't know if I should get them.

Eric Schad · Updated on Jan 13, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

USAA

new car replacement assistance

is an add-on

policy that will help you get a car if yours is totaled.

When you settle your claim, this policy will give you 20% more than the cash value of your car. This extra 20% can be put toward the down payment of a new car, or you can pocket the cash.

Keep in mind that this policy is only available if you have both

collision coverage

and

comprehensive coverage

through USAA.

It’s also not available for non-owned cars or leased cars.

MORE:

Cheap car insurance

View full answer

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