USAA Auto Insurance Claim Time Limit, Processing Time Explained

USAA logo as displayed in the iOS App Store

If you’ve been involved in an accident and are covered by USAA auto insurance, there’s no set time frame in which you need to file a claim. Yes, there is no USAA Auto Insurance claim time limit. However, if you want to be paid for your claim, you’ll need to follow a few rules. We have all of the details of USAA’s auto insurance claim policy.

USAA Auto Insurance Claim Time Limit

USAA doesn’t have a strict time limit on auto insurance claims, an insurance adjuster said. However, if you’re involved in any type of auto accident or your vehicle is damaged in some way, it’s best to file a claim as soon as possible. If you’re unable to file a claim right away, you can file a claim with USAA at any time — but, in order to be paid for your claim, you may need to do so within certain time limits. These limits vary based on your individual policy, the type of damage sustained, and the state in which you live.

In general, there are two types of auto claims: property damage, which is filed when there’s damage to a vehicle, and injury, which is filed when someone within the vehicle sustains an injury. Each claim type has a different time limit. Overall, the statute of limitations for auto claims varies by state and can be anywhere from one year to six years, according to the car insurance marketplace InsuranceZebra.

If you file your claim within your state’s time limit and there’s enough evidence to back up your claim, you’ll be paid by USAA regardless of how long it takes to process it. USAA processes claims as quickly as possible, but some are more complicated than others. These may take longer for you to receive payment. You can speed up the payment process by setting up an Electronic Funds Transfer (ETF).

In Summary

With USAA auto insurance, there’s no time limit to file a claim, but, in order to be paid for your claim, you’ll need to follow the limits set by your individual insurance policy and your state’s regulations.


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