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Will USAA drop me for accidents?
I was involved in an accident last week where someone rear-ended me. We exchanged insurance information so I can file a claim for the repairs, but will USAA drop me as a client because of the accident?
Andrea Barrett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
No,
USAA
is not likely to drop you for an accident on your record—that’s what having car insurance is for. But car accidents on your driving record can impact you in more ways than one, especially if you’re at fault.Keep in mind that if your insurance provider is going to drop you, you’re more likely to face a non-renewal than you are a cancellation, and you will receive notice of the date it’s effective.
If USAA decides to drop you as a client, you’ll receive a non-renewal notice. A non-renewal means you will no longer be covered after your current policy expires. Generally speaking, you’ll be notified anywhere from 10 to 30 days beforehand, which gives you ample time to search for a new insurer and avoid a
car insurance lapse
. Insurers cannot drop clients based on gender, race, age, and the like, but they can opt for non-renewal for almost any other reason, especially if you’re an
at-risk driver
. That said, USAA probably won’t cancel your policy after an accident, but they will likely increase your insurance premium if you were at fault. They might also choose non-renewal, which is more likely if you’ve:
- Filed multiple claims in the last three years
- Been involved in multiple at-fault accidents within three years
If you want to avoid the potential of being dropped by your insurer, think carefully before you
file a car insurance claim
. If your vehicle has sustained minor damage that costs less than your deductible amount, consider paying for the repairs out of pocket to avoid involving your insurer.MORE: The dos and don’ts of filing a car accident claim report
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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