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Nonpolicyholder claims overview

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What our policies typically cover if we accept faultSee note1See note

  • Damage

    • Covered damage to your vehicle
    • Damage to your home, fence or other property

  • Towing and Storage

    • Reasonable towing and storage costs
    • Reimbursement up to the member's policy limit

  • Injuries

    • Treatment for covered injuries to you
    • Treatment for covered injuries to your passengers

  • Rental Vehicle

    • Rental car coverage to help you get back on the road quickly

How the nonpolicyholder claims process works

Step 1 Report your auto claim.

Tell us what happened, so we can review the facts.

Step 2 We'll contact you.

You'll be contacted with next steps, as needed, to move the claim forward.

Step 3 Inspect your vehicle.

We'll tell you how to get an approved estimate for your vehicle.

Step 4 We'll send payment.

If we accept liability, we'll pay you or the shop for approved repairs.

When to file a nonpolicyholder claim with USAA

You should file with us if:

  • You're confident the accident was not your fault.
  • You have all the information you need to file a nonmember claim with USAA.

You may not want to file with us if:

  • You're not sure if you were at fault.
  • You'd prefer to work with your own insurance company.

Choosing a repair shop

You have the right to use the repair facility of your choice. Your selection won't affect our obligation to pay any claims-related costs. If you need help, we can recommend shops from the USAA Direct Repair Network, which provides high-quality customer service and repairs.

Work for a body shop?

Use our online portal to access claim information.

Visit body shop portal

Nonpolicyholder claims FAQ

See all nonpolicyholder claims questions

Still need help?

If you can't find the information you need, help is available.

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Ready to file or manage your claim?