Insurance Coverage Requirements

AAA policies produce a declarations page that looks like the example below. Log in at ace.aaa.com or call your local AAA branch.

Allstate's declarations page is typically available in the Allstate Mobile app under "Policy" or through myaccount.allstate.com. Call your agent if you prefer email or fax.

American Family and its Costco partnership use the same declarations format. Log in at amfam.com or through the MyAmFam app.

Aspire General's declarations page example below. Contact your Aspire agent or log in to your policy portal for the current version.

Esurance (now part of Allstate) sends a declarations page that looks like the example below. Access via the Allstate Mobile app or your Esurance account.

Farmers insurance declarations page is available via the Farmers Mobile app or at farmers.com. Or call your local Farmers agent. They can email it to you the same day.

GEICO makes the dec page easy to pull from their mobile app. Follow the visual guide below, or request it by calling 1-800-861-8380.

How to pull it from the GEICO app:

Liberty Mutual's declarations page is available at libertymutual.com under "Documents" or in the Liberty Mutual app.

MAPFRE (now part of Liberty Mutual) issues a declarations page similar to the example below. Contact your agent or log in to your policy portal.

Mercury Insurance's declarations page is available at mercuryinsurance.com or by calling your Mercury agent.

Progressive calls their dec page the "Policy Declarations." Pull it from the Progressive app or progressive.com.

How to pull it from the Progressive app:

Root is app-only. Open the Root app, go to your policy, and tap "Documents" to get your declarations page.

Safeco (a Liberty Mutual company) provides a declarations page through their app or at safeco.com.

State Farm calls theirs "Declarations Page." Access via the State Farm mobile app, statefarm.com, or your agent's office.

What State Farm insurance cards look like (for reference):

State Farm renewal policy (lists all covered drivers):

TD Insurance (common for Canadian policies) issues a declarations page through their portal or by calling TD directly.

TD Grand Touring policy template:

Travelers provides the declarations page via the MyTravelers portal at travelers.com or through your agent.

USAA makes the declarations page very easy to pull. Below is an example, followed by a step-by-step guide for the USAA mobile app.

How to pull it from the USAA mobile app:

Navy Federal Visa® and Mastercard® holders have automatic Auto Rental Collision Damage Waiver coverage when they pay for the full rental with their card and decline the rental agency's CDW. All Navy Federal cards except the More Rewards American Express provide up to 15 consecutive days of coverage. The More Rewards AMEX provides up to 31 consecutive days.

General rules for all Navy Fed CDW-eligible cards

• Coverage is secondary within the U.S.: file with your personal auto insurance first, then Navy Fed covers what your policy doesn't.
• Coverage is primary outside the U.S.
• You must pay for the entire rental with the Navy Fed card (or Navy Fed rewards).
• You must decline the rental agency's CDW/LDW at the counter.
• Covers theft, collision damage, valid loss-of-use charges, admin fees, and reasonable towing to the nearest qualified repair facility.
• Excludes exotic/expensive cars, antique cars, cargo vans, trucks over 1/2-ton, motorcycles, mopeds, motorbikes, limousines, and vehicles with an open cargo bed.

Official benefit guides & card pages

• Navy Fed Visa® Guide to Benefits: nfcu_820cc.pdf
• Navy Fed Mastercard® Cardholder Benefits: nfcu_816cc.pdf
• Navy Fed Platinum: navyfederal.org/.../platinum.html · features
• Navy Fed GO REWARDS®: navyfederal.org/.../go-rewards.html · features
• Navy Fed cashRewards: navyfederal.org/.../cash-rewards.html
• Navy Fed cashRewards Secured: navyfederal.org/.../cash-rewards-secured.html
• Navy Fed Flagship Rewards (Visa Signature): navyfederal.org/.../flagship-visa-signature.html
• Navy Fed More Rewards AMEX: the 31-day exception. Check your specific cardholder agreement at navyfederal.org credit cards.

All USAA credit cards include Auto Rental Collision Damage Waiver for up to 31 consecutive days. This makes USAA one of the most generous issuers for military families and travel nurses on long Oahu assignments.

Rules

• Coverage is secondary for domestic rentals: file with your personal auto insurance first.
• Coverage is primary for rentals outside your home country.
• You must pay for the entire rental with your USAA card (or USAA rewards).
• You must decline the rental agency's CDW/LDW.
• Covers theft, damage, valid loss-of-use charges, admin fees, and reasonable/customary towing charges to the nearest qualified repair facility.
• Excludes expensive/exotic vehicles, antique cars, cargo vans, trucks, motorcycles, and limousines.

Claim process

• Call the USAA Benefit Administrator at (844) 288-2141.
• You must notify the Benefit Administrator within 45 days of the incident.
• You must submit the claim form and supporting documents within 90 days of the incident.

Official links

• USAA Guide to Benefits (PDF): bk-universal-guide-to-benefits.pdf
• USAA Credit Card Benefits overview: usaa.com credit-card-benefits-guide

Visa Platinum cards (issued by many banks and credit unions, including Navy Federal's Visa Platinum variant) include Auto Rental Collision Damage Waiver for up to 15 consecutive days within your country of residence and up to 31 consecutive days outside it. Longer rental periods are not covered.

Rules

• Coverage is secondary within the U.S. (your personal auto insurance pays first).
• Coverage is primary outside the U.S.
• Your name must be embossed on the eligible card issued in the United States.
• You must use the card to initiate and complete the entire rental transaction.
• You must decline the rental agency's CDW/LDW.
• Covers theft, damage, valid loss-of-use, admin fees, reasonable towing to the nearest qualified repair facility.

Geographic coverage

Available in the United States and most foreign countries. Excluded countries: Israel, Jamaica, Republic of Ireland, and Northern Ireland.

Vehicle exclusions

Expensive, exotic, and antique cars; cargo vans; certain vans; vehicles with an open cargo bed; trucks; motorcycles, mopeds, motorbikes; limousines. Named exotic examples that are not covered include: Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce, Tesla.

Official links

• Visa Platinum Auto Rental CDW benefit detail: ConsumerBenefitsVisa.pdf
• Visa Auto Rental CDW (general): usa.visa.com CDW PDF