It's up to you. If you were in an accident, you should report it to us. You can then choose to file a claim through USAA, the other driver's insurance company or not at all.

We recommend you file a claim if:

• Someone got hurt in the accident.
• You cause damage to someone else's vehicle or property.
• You cause damage to city property, such as a guardrail, telephone pole or street sign.

You may not want to file a claim if:

• You cause minimal damage to your own vehicle or property, and the damage is less than your deductible.
• You don't plan on fixing your vehicle.

We recommend you file a claim with us if:

• You want to use a USAA-preferred shop.
• You're willing to pay your deductible up front. If an investigation finds you're not at fault, we'll refund it.
• You want to get an estimate to help you decide if you want to proceed with the claim.

We recommend you report the incident to USAA, but don't file a claim if:

• You want to pay for the repairs on your own.
• You don't want to fix your vehicle, and it's not owned by any other party, lease or finance company.

We recommend you file a claim with the other driver's insurance if:

• You're not at fault, don't want to pay your deductible and want to have the other company pay for repairs.
• You're not at fault and need the other company to provide a rental car.
• You're sure the other insurance company or person will accept full responsibility.

You can find your insurance cards on usaa.com or in the mobile app on your policy page.

You can find your coverage information on usaa.com or in the mobile app on your policy page.

For auto claims, you can report a collision, theft or damage to your vehicle without making a phone call. You'll be able to see and manage the status of your claim right away. For emergency services, please contact 911 for help.

If you have not been in an accident, you can request roadside assistance.

• Tow your vehicle.
• Jump-start your battery.
• Unlock your car.
• Change a flat tire.
• Deliver gas.

If you only have glass damage, you can get help repairing or replacing your windshield or other glass by filing a claim online.

Filing a claim on usaa.com or the USAA Mobile App is quick and convenient. It takes about 15 minutes and is available 24/7. A claims representative will be assigned to your case automatically. Simple claims can be completed without a phone call.

When you file a claim, you'll need to tell us the:

• Names of all drivers and passengers.
• Insurance information for any other drivers.
• Basic details of what happened.
• Makes and models of the vehicles involved.
• Date of the accident.

You'll be able to:

• Upload photos of the accident or vehicle damage.
• Review your coverage.
• Decide how you want to proceed.
• Schedule an inspection and get a rental car, if applicable.

Your first step is to file a claim. You can file with us, and a claims representative will be assigned right away. Or, if the damage isn't your fault, you can file with the other insurance company.

It's wise to file a police report if you're involved in an accident or your vehicle is vandalized. Providing a police report is optional but helpful for claims involving injuries or multiple people, or when it's unclear who's at fault.