While USAA could choose to drop you for too many claims, they probably won’t. Unless you file a bunch of claims for at-fault accidents, then your coverage is likely safe—although with three claims in a single year, you could see your insurance rates begin to rise.

In the event that USAA does choose to drop your coverage, or if your rates become too expensive, simply shop for new car insurance by collecting quotes and comparing coverage options from different providers. And be sure to take advantage of anything that could get you a discount on car insurance, such as enrolling in a defensive driving course.

MORE: How to avoid the most common car insurance claims