Let's get this nice and good for once. Yehuda has experience, he says u NEED a product if u put in the usaa code would it work? Yes. BUT if u need insurance from usaa or from the cc or from hertz theoretically it could be denied BC you were not renting with the usaa codes t&c. Does that mean they will give you probs? No but if the damage is big I would guess they will will look in to it. And then it's their lawyers against yours (and good luck with that). Could u be lucky? Very possible but the terms say you need a product with usaa and a account number without anything isn't called a product