How Does USAA Handle Car Accident Injury Claims | Fort Collins Injury Lawyers
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The United Services Automobile Association (USAA), is a financial services group of companies that offers its services to people and families who serve or have served in the United States military. One such service offered by the company is auto insurance.
If you or a loved one has been hurt or injured following a car accident and need help dealing with USAA, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our skilled and experienced Fort Collins personal injury attorneys.
How USAA Handles Auto Claims
With a strong presence throughout the state of Colorado, USAA prides itself on the many benefits that the company has to offer for its clients. Despite USAA’s mantra of offering affordable automobile insurance policies to those who have served for our country, it is nevertheless important to keep in mind that USAA is a for-profit company.
This means that USAA’s ultimate goal is to make money. To meet this goal of turning consistent profits, USAA, like other insurance companies, has to receive more money in premiums than it pays out in claims. For instance, if USAA collects a total of $500,000 in premiums, it can only afford to pay out $250,000, or less, in claim settlements.
The result of this is that USAA will look for ways to pay out as little as it can when dealing with car accident injury claims. Therefore, it is important to familiarize yourself with the process that USAA uses in handling these types of claims. By doing so, you can become aware of the tactics that USAA uses to try and pay out as little as possible.
Filing Your Claim
After being injured in a car accident, you may have to file a claim with USAA if the company insures the at-fault individual, or if you have personal coverage through a policy with USAA.
Claim filing with USAA is accessible 24 hours a day, 7 days a week. You can file a claim with USAA online at USAA.com, via telephone at 800-531-872, or through the USAA Mobile App.
The claim filing process will require you to provide information regarding the accident that led to your injury, including the date and time of the accident, the location of the accident, and any resulting injuries or damages that occurred. Reviewing your auto policy to determine the terms of your coverage will allow you to understand what USAA will consider when evaluating your claim.
In cases where your automobile accident led to injury such as neck or back pain, consider consulting with an attorney before sharing the details of your accident with USAA. This is because your responses could end up hurting the overall value of your claim. A skilled personal injury attorney will be able to guide you through this question-and-answer process in order to maximize your chances at receiving a fair settlement.
Handling Your Claim
After your car accident injury claim has been filed, your claim will be assigned to a USAA claims representative who will be responsible for assisting you throughout the remainder of the claims process. You can monitor the status of your claim by contacting your claims representative.
A USAA claims adjuster will also be assigned to your case. The adjuster will be responsible for investigating the facts and circumstances regarding the accident that led to your injury. It is important to remember that adjusters work with USAA’s best interests in mind, not yours.
Once the adjuster is done investigating the details of your accident and subsequent injuries, he or she will rely on your policy as well as methods and formulas used by the company to come up with a dollar amount that is supposed to correspond to your injuries and damages. However, it is important to realize that these formulas are designed to lower the amount of your claim.
USAA may try to justify its offer in a variety of ways. For instance, USAA may claim that your injuries were caused by a prior event and not the car accident in question. Alternatively, USAA may claim that your injuries have healed since the date of the accident. Finally, USAA may simply argue that your claim is not worth that much.
Settling Your Claim
If you are satisfied with USAA’s initial settlement offer, the company will pay out the claim settlement by check or via Electronic Funds Transfer. Depending on the terms of your policy, the payment will be made out to either you, a lien holder, or a repair facility, among others.
However, due to the strategies and tactics used by USAA and its adjusters, it is likely that you will receive a settlement offer below the actual value of your claim. Despite this frustrating fact, it is important to remember that it is possible to negotiate a more favorable settlement offer.
If you find yourself in this situation, you may want to consider consulting with a skilled injury attorney who can provide you with valuable information and tips regarding the negotiation of your settlement offer.
Our Fort Collins Car Accident Injury Lawyers Will Fight on Your Behalf
At Zinda Law Group, our Fort Collins attorneys have plenty of experience in dealing with stingy insurance companies. Our dedicated team has the knowledge, resources, and desire to help you navigate the USAA claim process following a car accident injury. Further, we will work tirelessly to assist you in seeking the compensation you deserve.
Our firm also believes that 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 win your case. That’s our No Fee Guarantee.
If you would like to speak with an experienced Fort Collins car accident injury lawyer, or to learn more about the USAA claim process, call Zinda Law Group at (800) 863-5312 to receive your free case evaluation.
Meetings with attorneys are by appointment only.