Does USAA Offer Mechanical Breakdown Coverage? What You Need to Know

Understanding USAA’s Vehicle Protection Options

USAA does not directly offer mechanical breakdown insurance as part of its standard auto insurance policies. However, USAA does provide an option for extended vehicle protection through a third-party partnership.

USAA’s Extended Vehicle Protection Plan

USAA partners with Assurant Solutions to offer an Extended Vehicle Protection plan to its members. This plan is similar to mechanical breakdown insurance and can cover various repairs, including:
• Engine repairs
• Transmission repairs
• Brake system repairs
• Exhaust system repairs
• Electrical and technical components

It’s important to note that this coverage is separate from USAA’s standard auto insurance policies and comes at an additional cost.

Comprehensive Protection Plan Coverage

While not specifically mechanical breakdown insurance, USAA’s Comprehensive Protection Plan offers extensive coverage for various vehicle components. This plan includes:
• Engine assembly
• Transmission assembly
• Drive axle assembly
• Suspension assembly
• Steering assembly
• Braking assembly

The Comprehensive Protection Plan also covers accessibility equipment for vehicles modified for drivers with disabilities.

Alternatives to Mechanical Breakdown Insurance

If you’re looking for coverage similar to mechanical breakdown insurance, consider these alternatives:

Manufacturer’s extended warranty
Third-party extended warranties
Savings account for unexpected repairs

While USAA may not offer traditional mechanical breakdown insurance, their partnership with Assurant Solutions and their Comprehensive Protection Plan provide options for members seeking additional vehicle protection.

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