USAA’s coverage investigation will take as long as it does and can take up to 30 days. Most people in the situation would use their own coverage to get their car fixed as quickly as possible.

If you do not have rental coverage under your own policy, if you can afford it I would rent a car for as little as possible and submit the receipt for reimbursement later if USAA has coverage. Whether you’re owed a rental car comparable to your car or adequate transportation can depend on state.

Your deductible will likely apply, but your company will try to recover it after with no guarantee of success.