| Am I covered for an accident if my policy had lapsed while without an Uber passenger? Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability. Our son-in-law is a USAA member (Navy). Can we join also?Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e. Can my brother use his insurance for damage he caused to my vehicle?Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle. Agree to be paid out of pocket with driver with no licenseTo sum, having her pay out of pocket might be your best option. Let me explain. See More Questions | Are deductibles company specific? While they are some company-specific deductibles, the standard ones are $500 and $1000. So it's unlikely you won't be able to get the desired amount for your collision or comprehensive deductible. See More Questions |