What to Expect in an Injury Settlement with USAA | Fort Collins Injury Lawyers

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The United Services Automobile Association, otherwise known as USAA, is an insurance provider primarily for those who have served in the military and their family members. Just like all the other insurance companies, USAA has a primary mission to make a profit. Insurance companies make a profit by paying out less in claims than they receive in premiums.

Dealing with insurance companies can be tedious and stressful. However, the more prepared you are for the negotiation process, the easier it becomes. It also may be beneficial to consider consulting an experienced personal injury attorney who knows the ins and outs of the USAA settlement process.

If you or a loved one has been injured in an accident, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our Fort Collins personal injury lawyers.

How USAA Handles Injury Claims

If you were injured in an accident and need to file a claim with USAA, there are several things you should be made aware of. First of all, you can definitely expect USAA to do everything in their power to limit the potential value of your injury claim. One of their main tactics is rushing through the process in an attempt to get you to quickly settle on a claim that is well below the value you deserve.

USAA will also use all of the information you give them or any information they gather themselves in an effort to decrease the value of your claim. For the best results, it may be prudent to consult an experienced personal injury attorney who has dealt with USAA before.

To file a USAA claim online, visit the company’s claim center at: https://www.usaa.com/inet/ent_logon/Logon or call (800) 531-8722.

How Does USAA Value Injury Claims for Settlement?

USAA, like many other large insurance companies, uses a computer program to assist in placing a money amount on an accident claim. USAA uses Colossus.

Colussus evaluates the victim’s medical records and bills in an effort to decide how much treatment it thinks was necessary and what the fair value is for the medical treatment, past or future wage loss, and the victim’s pain and suffering. Like other insurance companies, USAA has been known to undervalue all of these categories before a suit is filed.

Should I Talk to an Attorney?

The short answer: yes.

Even if you’re not yet ready to hire an attorney or want to try and handle the claims process on your own, there’s no harm in consulting an attorney. It is well known that insurance companies act differently when speaking with attorneys. Tactics that may work on regular customers will not work the same way on experienced personal injury attorneys.

Most people have never gone through this process before. USAA, on the other hand, defends dozens of claims like these on a daily basis. USAA claims adjusters know every trick in the book, and an experienced attorney can save you from falling for them with their knowledge of the process.


At Zinda Law Group, our Fort Collins personal injury attorneys have helped thousands of victims get their lives back on track after suffering an injury. We have the knowledge and resources necessary to help you build the strongest claim possible and pursue maximum compensation for hospital bills, future medical costs, property damage, lost income, pain and suffering, and much more.

Our firm also believes an injury victim should never have to worry about being able to afford excellent legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we achieve a favorable settlement, judgment, or verdict for your case. That’s our No Fee Guarantee.

If you have been injured in a car accident, call Zinda Law Group at (800) 863-5312 to receive your free consultation with one of our experienced personal injury lawyers in Fort Collins.

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