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This isn't so much a USAA specific question as a general insurance question. The answer is that USAA shouldn't even question the extra day since it isn't really an extra day. You're picking up the car as soon as reasonably possible. Don't worry about it.
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"They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety." - B. Franklin
"There ought to be limits to freedom." - George W. Bush
"We have met the enemy and he is us." - Pogo
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