I'm not a USAA rep but a loan has nothing to do with an accident. A loan has to do with credit and income. They could give the loan but refuse insurance and THAT you could associate with the accident.
I am sorry to hear about your expereince with our auto loan department. If you could send us a message here with the best way to contact you , we can get someone to take a second look at why you were denied. Thank you for positng.