USAA motorcycle insurance offers a personalized coverage option for veterans, military members and their families, coverages that offer protection that directly meets their unique needs.
In addition to saving up to 5% on insurance premiums, USAA members enjoy offers such as 24/7 roadside assistance, 24/7 claims handling, and customer support.
However, USAA motorcycle insurance is not open to the general public. It requires veterans and active-duty military personnel to sign up, as well as eligible family members, such as the policyholder’s children, spouse or ex-spouse in the event of divorce, or widow/widower.
Likewise, the military member’s discharge must be honorable in order for the policyholder and his/her immediate family to qualify.
Curious? Keep reading to learn more!
What does USAA motorcycle cover?
USAA is a financial institution focused on military personnel, veterans, and their families. While USAA sells auto and home insurance, it also offers a variety of other financial products, including everything from insurance, bank accounts, loans, and investments.
A large portion of these individuals need motorcycle insurance. While USAA does not have its own motorcycle policies, it does work with select insurers to provide this coverage.
With USAA, you get a motorcycle plan administered by Progressive Insurance while experiencing the quality and low prices that USAA is known for. The policy covers the basics, including:
- Covers damage and injuries to third parties in the event of an accident, and also pays legal fees, if applicable.
- This type of coverage is also required in all states.
- Motorcycle accidents, fires, theft, vandalism, severe weather, and animals can all damage your motorcycle.
- Covers repairs to your motorcycle, regardless of who caused the accident.
- Provides protection against uninsured motorists.
- Covers medical expenses for you and your passengers when an accident occurs.
- USAA offers 24/7 roadside assistance, so no matter the situation, you’ll never have to be left stranded.
You can add on personal protection, riders, enhanced management services, comprehensive loss coverage, and death benefits, to name a few.
Another thing is that while this is offered by USAA, the current insurance policy is backed by Progressive, which works with USAA to offer a similar discount for special service to USAA members.
Most people don’t worry about this, but if you don’t like the idea of Progressive actually administering your insurance policy, it’s something to consider.
What are the benefits of USAA motorcycle insurance?
This coverage pays for the cost of repairs and medical expenses for other parties involved if you end up causing an accident. It will also cover some legal expenses if the other party decides to sue you. This type of coverage is also required in all states.
The coverage also protects you in the event that your new motorcycle is stolen, or if your car is involved in a car accident or fire.
Another benefit is that the policy pays for damages if the at-fault driver in an accident is uninsured or underinsured.
It will cover a variety of expenses, such as repairing the car or treating the injured party. Other simple claims in the case of a hit-and-run accident.
What types of motorcycles does USAA cover?
Most of the time when people hear the word “motorcycle,” they think of street bikes or classic cruisers. However, USAA covers other types of vehicles, such as:
- Cruisers: Cruisers are the most common type of motorcycle. This type of motorcycle features high-mounted handlebars and front footpegs. Examples include Harley-Davidson, Indian, and partners.
- Dirt bikes: Dirt bikes are purpose-built to make off-roading more comfortable. Their low-profile light and improved suspension ensure they can handle rough terrain. The main brands of dirt bikes are Honda CRFs, Kawasaki, and KTM.
- Touring bikes: These are built for comfort. This includes any bike that you’re capable of traveling on for long hours. Harley-Davidson, BMW, and Indian are common examples.
- Sport bikes: Sport bikes are usually street bikes. Honda, Ducati, and Kawasaki are the big players in the electric vehicle market.
- Mopeds and scooters: These vehicles are eco-friendly. With only three major brands, Vezpa, Honda, and Yamaha, they are still gaining popularity.
- UTV/SXS: These are utility vehicles, intended for use in work environments. They have more power and can carry more people than ATVs. Polaris, Arctic Cat, and Kawasa are now selling UTVs.
Who is eligible for USAA motorcycle insurance?
USAA products are available only to active military members, veterans, and qualifying dependents.
A qualifying dependent is a child, spouse, or ex-spouse from a recent marriage. Those who do not meet these criteria are not eligible for any USAA insurance or financial product. USAA motorcycle insurance is currently available to qualifying members in all U.S. states.
Is this insurance worth it?
Definitely! The question of “is it worth using the insurance?” should never arise, and the reason for this is that what you receive in return is worth much more.
There are countless situations, such as minor damages that you don’t want to pay for yourself, etc., that the insurance covers, period.
That’s what insurance is there for – it’s a resource that you already pay to use, so why not take advantage of it? Not to mention that the policyholder support is available, so even if it’s a small problem, they’ll solve it.
Conclusion
Continuing with USAA as your motorcycle insurance company is a great choice. They completely understand their customers and, in any case, do their best to serve them.
The processes are super simple, from the quote to the support when something happens.
In the end, the feeling is that you’re with an insurance company that really cares, and that makes all the difference for those who want peace of mind on the road.
