In this article, we’ll cover the basic facts about USAA auto insurance, what you can do to maximize your chances of getting compensation, and why turning to an experienced accident attorney is the best decision you can make following an auto accident.
Suing USAA For Car Accident Claims And Settlements
USAA, also known as United Services Automobile Association, is a full-service credit union and insurance company that caters to veterans and family members of veterans. They originated in 1922 and have grown to have over 13 million members throughout the United States. They offer several insurance products to their members, including:
- Auto insurance
- Renters insurance
- Umbrella insurance
- Motorcycle insurance
- Boat insurance
- RV insurance
- Condo insurance
- Flood insurance
- Valuable personal property insurance
- Rental property insurance
- Homeowner insurance
- Life insurance
- Annuities
- Small business insurance
- Farm and ranch insurance
- Health insurance, including Medicare, major medical insurance, and long-term care insurance
- Pet insurance
- Aviation insurance
- Mobile phone protection
Like most other insurance companies, a primary goal of USAA is to remain profitable by collecting more insurance premium amounts than the total amount of claims payouts. USAA does so in many ways, with one way being by training its insurance claims representatives to use tactics to undermine or reduce the overall insurance claim case value. While this may be beneficial for the insurance company, it can leave accident victims with less compensation than what they need and deserve following a car crash caused by a USAA insurance policyholder.
Types Of Auto Insurance Coverage Offered Through USAA
When you’ve been injured in a car accident that was caused by a driver who holds USAA auto insurance, you’ll want to know the specific coverage that driver has with the insurance company. Common types of auto coverage offered by USAA include:
Comprehensive Coverage
Comprehensive coverage helps policyholders pay to replace or repair their vehicle following an incident such as a fire, flood, a collision with an inanimate object or animal, or glass damage. Most insurance policies require this type of coverage if the policyholder is financing or leasing their vehicle.
Collision Coverage
Collision coverage provides monetary assistance to policyholders who have damaged their vehicle in an auto accident with another car or with a stationary object. This type of coverage is typically mandatory.
Liability Coverage
Liability coverage offers protection when the policyholder is found liable for the injury or death or another individual as a result of an auto accident. It will also help pay to replace or repair the other driver’s car or damaged property. Liability coverage will also help pay for the other driver’s medical expenses, pain and suffering and lost wages.
Uninsured And Underinsured Motorist Coverage
This type of coverage offers payment assistance if the policyholder is an accident caused by another driver who does not have auto insurance or who is underinsured. In many states, it can also assist in instances of a hit-and-run accident.
There are several different types of coverage that a driver may have with USAA, and understanding them is important when filing a claim following a car accident. However, many people aren’t aware of these various types of coverage, and learning about them is the last thing you likely want to do following a stressful auto collision. Florin|Roebig has spent years studying complex car insurance policies and would be happy to help you decipher the other driver’s coverage and determine your eligibility when it comes to coverage. And, if the other driver does not have adequate insurance coverage to cover your needs, we’ll happily go to bat for you in court to ensure you get the compensation you deserve.
Filing A Car Accident Claim With USAA
Many insurance companies want you to immediately file a claim following an auto accident. However, it’s always best for claimants to seek the advice of an experienced personal injury attorney before doing so. The attorney can advise you on the best actions you can take to ensure you are eligible for maximum compensation. If your attorney does advise you to report your claim to USAA, you can do so by calling the USAA claims department at 210-531-8722.
After you’ve reported the claim with USAA, you’ll be contacted within three days by a local USAA claims adjuster to provide a statement. Once this is done, USAA will begin an investigation to determine liability. Working with your attorney on what you say in your statement is imperative, as what you say can and will be used against you if your case goes to court.
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How To Get The Most Compensation For Your USAA Auto Accident Claim
There are several important steps you can take immediately following an auto accident that will support your ability to get the coverage you need. Even if you don’t know if you’ll need to file a lawsuit against the responsible driver’s insurance company, you should still follow these steps so you’re prepared in the event that you do go to court.
Take Pictures
If you’re able, take pictures using your mobile phone or another device of the scene of the accident, the damaged vehicles, and any injuries you or others in your vehicle sustained during the accident. These photos can be used as evidence of what happened and will support your case if you go to court.
Get Any Witness’ Contact Information
If there were any witnesses to the accident, obtain their contact information as soon as possible following the accident. Their statements of the accident can support your claim in court. It’s much easier to get witness contact information following the crash than trying to track down witnesses later, so do so as soon as possible if you’re able.
Call The Police
Most state laws require you to call the police following an auto accident, especially if you were injured during the collision. A police officer will come to the scene and perform an investigation of what happened. They will then create a police report that can be used as documentation when filing a claim. These reports can make it much easier for your personal injury attorney to prove that the at-fault driver is responsible for the collision.
Get Medical Treatment
Even if your injuries are minor, you should still seek medical treatment as soon as possible following an accident. Waiting to get a medical evaluation can hurt your attorney’s chances of proving that your injuries were a result of the car accident. Oftentimes, an ambulance will come to the scene of the crime when the police are called, so you can go with the ambulance to a nearby medical facility to get examined.
Keep Track Of All Medical Expenses
Any medical bills or other out-of-pocket fees you pay related to the accident should be well documented. These documents, along with medical records, can be used to support your injury case when pursuing reimbursement from USAA.
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Turn To Florin|Roebig For Help With Your USAA Car Accident Claim
If you’ve been injured in a car accident caused by a driver who has USAA insurance, you don’t have to go it alone when seeking compensation for your injuries and other damages. The dedicated injury lawyers at the law firm of Florin|Roebig are here to walk you through every step of the personal injury claims process, provide legal advice, and to ensure you get the settlement offer you deserve. Give us a call today at for a confidential and free consultation.
