Get More Money: What you need to know about the USAA Auto Insurance claim process
Attorneys for USSA Insurance Injury Claims Help Car Accident Victims Win Bigger Settlements
How to Get the Most from Your Personal Injury Claim
Established in 1922 in San Antonio, Texas, USAA (United Services Automobile Association) serves the military community and their families with auto insurance, homeowner insurance, and renters insurance, as well as a suite of banking, investment, real estate and health insurance services.
USAA claims to offer superior service and discounts for those who serve, and they have earned high marks for their customer service, but you really only find out how good your insurance company is when you have a claim. Like all insurance companies, USAA is in the business to make money. Unfortunately, this can mean some claims will be shortchanged.
USAA Auto Insurance doesn't always live up to its advertisements, as Mark of San Tan Valley found out.
Get the settlement check you deserve
If you’re filing a claim with USAA after an auto accident has caused you injury, the best way to protect your right to fair compensation is to have an elite auto injury attorney on your side.
Warshafsky Law personal injury attorneys have extensive experience negotiating with insurance companies on behalf of injured clients. We know how insurance companies operate because we have attorneys who have worked for them in the past. No law firm is better equipped to ensure you get a fair settlement from an insurance company than Warshafsky Law.
INJURED? It IS About The Money.®
hen people choose their personal injury lawyer based on the endorsement of a football player or actor, they risk choosing an attorney who has never won a case in a courtroom. Settlement mills forward your paperwork and take a cut of your damages.
Hundreds of times we have prepared cases like yours beyond the brink of trial. Facing unlimited liability AND an expensive jury trial, insurance companies fess up what your case is worth. They HATE when you choose Warshafsky. Insurance companies know: it IS about the money.
The Insurance Claim Process: Dealing with the USAA Insurance Claim Adjuster
Jump to: Be Prepared for the Phone Call With The Claim Adjuster, Don’t Rush Out and Deposit Your Settlement Check from USAA Insurance
After an accident, you need to file a claim for the expenses you’ve incurred—both for your car repair and any injuries you sustained. USAA has an online claim form that can be submitted from a desktop computer or a mobile device. After you file your claim online, a claim representative will contact you by phone to discuss your claim.
Speak with our experienced personal injury attorneys before speaking with the insurance adjuster.
Be prepared for the phone call with the claim adjuster
When you speak with the claim representative (aka claim adjuster), you’ll get the impression your insurance company is looking out for you. The rep will be very sympathetic and assure you they’ll do everything possible to get your claim settled as quickly as possible. Remember, though, the claim representative’s allegiance is to USAA insurance, and they’ll look for any reason to limit or deny your claim altogether.
The rep you speak with will gather as much information about your accident as possible, including:
• the police report
• passenger and witness statements
• photos and measurements from the scene
• researching repair estimates
• anything you say during the call
Pay particular attention to the last thing in the list above. When you speak with the claims representative, you have to be careful to avoid saying anything that could implicate you for being even partially responsible for the accident. If you do, the insurance company will use this as a reason to minimize what they pay on your claim, or deny it entirely.
Before taking a call from a claims rep, you need to have the police report from your accident, all your medical bills, repair estimates for your car, and a record of how much time you’ve lost from work. Most insurance companies will have a claims adjuster contact their policyholders shortly after the accident. If you’re not ready to speak with them, don’t feel obliged to take the call. Just tell them you’re not able to speak right now and ask for a callback number where you can reach them.
One more thing: if the claims adjuster requests a signed release for your medical records, don’t do so until you’ve consulted an attorney. A signed release for your medical records gives them complete access to your medical history. If they find anything in your past they can use to dispute your claim, they WILL use it against you. An experienced personal injury attorney will make sure USAA only gets the medical records that pertain to the injuries you sustained in your auto accident—nothing more.
Don’t rush out and deposit your settlement check from USAA insurance
After the claims rep submits all the information about your accident, a decision will be made on how much to pay you. You’ll likely get a check in the mail for the settlement, and it will likely be far less than you anticipated getting. Even though you have medical bills piling up, don’t cash the check if it’s not enough to cover your losses.
The check you receive is really nothing more than an offer of settlement. If you cash the check or deposit it, you’ve implicitly accepted their offer and you will have no recourse to dispute the amount they paid you. The settlement amount can be negotiated, but only if you don’t deposit or cash the check. You can dispute the settlement amount on your own, but you’ll fare much better if you have an attorney representing you.
DIY Personal Injury Claims: Handling a USAA Insurance Claim on Your Own
Jump to: Get the Medical Care You Need, Document All Contacts With Your Insurance Company, Keep Your Cool, Document All Your Expenses, Know What You’re Up Against
If you’re planning on handling your injury claim on your own, you need to know the risks that lie ahead and how to deal with them. We’d recommend you start by reading the most common insurance company tactics used to minimize your settlement. Below you’ll find some advice on getting through the claims process.
America's toughest personal injury attorneys protect victims' rights.
Get the medical care you need
If you’ve had a serious injury accident, you’ll probably need ongoing medical attention. Your health and well-being is too important to deny yourself the care you need, so don’t forgo medical care, chiropractic treatments, and physical therapy because you don’t want to incur more expenses. It’s your insurance company’s responsibility to cover your expenses.
Document all contacts with your insurance company
You’ll have more than one phone conversation and email with the claims adjuster, as well as with other people at USAA. Keep a log of every call and follow up each one with a short letter or email outlining what steps the insurance company said they will be taking to settle your claim. If they later come up with another version of what was said, you’ll have documentation to show what was actually said.
Keep your cool
Dealing with endless runarounds from an insurance company is enough to make anyone snap, but you need to stay calm in your interactions with them. If you give in to the temptation to give them a piece of your mind, you’ll be instantly branded as a “lunatic” and your claim will go to the bottom of the pile. If you don’t think you can stay level-headed, have someone with you when you talk on the phone to let you know if you’re veering into a rage.
Document all your expenses
You need to keep detailed information on what your auto accident has cost you, including ongoing medical care. You can also document your pain and suffering with photos of your injuries, pain medication prescriptions, and statements from your doctor or physical therapist. You should also include your transportation costs to and from medical appointments and any income you’ve lost by not being able to work.
Know what you’re up against
You may think the claims rep you speak with over the phone is the only person you’re dealing with at USAA Insurance, but there are dozens of upper level employees and attorneys above the claims rep—all with strategies for minimizing the payout on your claim.
The most common tactic insurance companies use is to delay the claims process past the statute of limitations to prevent you from taking legal action against them. In Wisconsin, the statute of limitations for filing a suit against an insurance company is 3 years.
Three years may seem like a long time, but you’d be amazed how insurance companies can drag their feet on a claim. A lawsuit is the one bargaining chip you have in the claims process, so keep an eye on the calendar. If 3 years go by and you’re still in limbo, you’ll be stuck with whatever settlement USAA Insurance offers.
Do’s and Don’ts to Maximize your USAA Injury Claim Settlement
Warshafsky Law personal injury firm makes sure you get the most for your personal injury claim.
Many accident victims attempt to contest their insurance company’s settlement offer on their own, but quickly find it becomes a full-time job—and a very draining one, at that. When you hire an attorney, all communication with the insurance company has to be handled through the attorney. You no longer have the stress and aggravation of getting the runaround from your insurance company. You finally have someone looking out for your best interests. Especially if your attorney is with Warshafsky Law.
DO your homework
Be able to explain the reason for your injury claim and make specific points to validate your claim. This shows to the claims adjuster you have some knowledge of the process and you’re serious.
DO the math
You need proof of what your accident has cost you, so save every receipt or invoice for the expenses the accident has caused you.
Some costs to consider when calculating the value of your claim:
• Property damage
• Car rental
• Hospital deductible
• Prescription drugs
• Chiropractic care
• Pain and suffering
• Lost wages
• Future medical expenses
DON’T be rushed
Accept the fact that you will get a lowball settlement offer, and don’t feel pressured to deposit the settlement check the insurance company sends you if it’s inadequate.
DON’T trust “sign and settle” law firms
Any law firm that boasts about how many cases they settle is likely a settlement mill. They don’t care about you, only about collecting their cut of the insurance payout and moving on to the next case.
Personal Injury Attorneys Who Get More for Your Claim
Jump to: Aggressive Legal Representation from One of the Country’s Best Personal Injury Law Firms, Warshafsky Law Takes Cases Nationwide
Personal injury lawyers of Warshafsky Law are willing to take cases to court to get accident victims what they're owed.
Warshafsky Law Fights for Fair Compensation on Your USAA Insurance Claim
It’s easy for insurance companies to give you the runaround, but the situation changes quickly when you have an attorney representing you—as long as your attorney isn’t a patsy.
The attorney you hire is critical to getting the settlement you deserve. Most personal injury law firms encourage their clients to settle with their insurance company so they can collect their fee and move on to the next case. Insurance companies know these law firms never take a case to trial, so they have no worries about losing big in court. This is why they get away with lowball settlement offers.
Aggressive Legal Representation from One of the Country’s Best Personal Injury Law Firms
Unlike “sign and settle” law firms, Warshafsky Law prepares every case for trial from day one. Insurance companies know our reputation for taking cases to court—and winning. A loss in court means they risk an even bigger financial loss than if they just offered you a fair settlement to begin with.
When USAA Insurance learns you’re being represented by Warshafsky Law, their settlement offer will likely become considerably more generous. If it’s reasonable, we’ll recommend you take it. If not, we’ll take the case to court to make sure you get everything you’re owed.
Warshafsky Law Takes Cases Nationwide
Although based in Milwaukee, Warshafsky Law represents clients throughout the US. Take advantage of a free initial consultation with one of our attorneys, which can be done over the phone if you’re outside the Milwaukee area. If you choose to let us represent you, you’ll pay no legal fees until you have received your settlement, and our No Win, No Fee policy ensures you risk nothing by hiring us.
INJURED? It IS About The Money.®