How to file USAA Insurance Claims for Auto Accidents

usaa insurance - Traffic Collision Lawyer in Houston

The United Services Automobile Association (USAA) is a Texas-based firm that encompasses a group of companies including an auto insurance company. Founded in 1922 as the United States Army Automobile Association in Texas, it expanded to include other branches of the military. Today USAA still provides insurance to members of the military and their families and is still headquartered in San Antonio. They now have more than 30,000 employees and more than $30 billion in revenue, so they are quite a large insurance company. Our traffic collision lawyers in Houston can help you with your claim today!

Before You File a Claim with USAA

You can file a claim with USAA online or by calling 1-800-531-USAA. However, before you do, you should make sure you are prepared. Negotiating with USAA Insurance may not always be as straightforward or as easy as you might hope. The process of dealing with an insurance company to get a fair settlement for your car accident claim can be daunting. This is particularly true of USAA. The company has been known to be slow in processing claims and the process itself can be somewhat difficult.

The company utilizes outsourced companies to process some of its claims. Some customers reported that they were switched from an external to an internal adjuster, or vice-versa, midway through the process. This can slow down the process and make it more confusing. Not only that, but the company has specific requirements for medical bill records. If the bill is not coded correctly, they will reject it until it is properly coded.

If that happens, you will need to go back to your medical provider or various providers and try to get them to make changes and reissue the paperwork. If they cannot or will not comply or take too long, the claim might be denied. Other times the company seems to take too long to process a claim only to find out that they misplaced or did not receive your original information.

How do I file an auto accident claim with USAA?

Policy Limits

It is helpful to understand your policy’s limits. Many insurance companies offer personal injury policies that are relatively low. Therefore, the company does not usually deny or lower these small claims. However, USAA is one of the companies that offer policies as high as $100,000. Then, when you make a claim, the company may try to limit or reduce your claim because they do not want to pay out a high amount. For this reason, the company may use various tactics to try to stall or deny your claim.

Why You Need A Car Accident Attorney For Your Case

Most drivers in Texas carry the minimum amount of car insurance which is commonly referred to as a 30/60/25 policy. When the driver who hit you has this type of policy it means that the MOST you can recover is:

  • $30,000 for each injured person;
  • up to a maximum of $60,000 per accident;
  • with a maximum of $25,000 for property damage

For USAA many customers carry insurance with higher policy limits, up to $100,000. The good news is, in this instance, if you are seriously injured there is a better chance you will get the compensation you need to recover from your injuries and get the medical treatment, surgery, and follow-up care you may need.

The bad news is, the higher the policy limits the harder you have to negotiate and prove up your personal injury case to get the insurance company to pay out the policy limits. That is why you need highly qualified representation like the kind you get with the attorneys at Fleming Law.

You can avoid claim problems with USAA when you seek help from an attorney before you file a claim. Our experienced legal team understands how to deal with USAA in order to get the best and fastest results. In past settlements, USAA has negotiated until a fair value was reached, one that was close to the policy limits.

If you were hurt in an accident and need to file a claim, contact the skilled lawyers at Fleming Law. We have helped thousands of people obtain the settlements they deserve. Contact the car accident attorneys at Fleming Law, today at 737-201-0543 to request a free consultation.