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How to File a Car Accident Claim with USAA

Whether you're a new driver or have decades of experience on the road, car accidents can happen to anyone. The aftermath of a car accident can be overwhelming, especially if it's not your fault. Depending on your insurance policy and type of accident, there are several steps when filing a car accident claim. It's not as simple as calling USAA auto insurance claims and explaining what happened – there are documents to fill out and specialists who only care about their bottom line. This article will walk you through filing a USAA car accident claim so you can get back on the road faster than ever.

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Call us at (205) 654-8146 24/7 to arrange to speak with a personal injury lawyer about your case, or contact us through the website today.

Who is USAA?

USAA is a financial company that provides insurance to military members and their families. The company's first customers were United States Army officers, and the organization was initially called the United Services Automobile Association. Today, USAA is one of the largest insurers in the United States. USAA's insurance products are aimed at people who lead a life that's often more complex than the average person's. For example, military members, veterans, and their families often make multiple moves every few years. As a result, they are less likely to settle down in one place.

What's The First Step In Filing A Car Accident Claim?

How to File a Car Accident Claim with USAA

The first step to filing a car accident claim is to follow the proper protocol. You must ensure you've taken the following steps before making a claim:

Report the Accident To The Police

No matter the level of damage, you want to have an official report from the police.

Exchange Information

Be sure to exchange information with the other driver, including insurance information.

Take Pictures

Pictures help illustrate the scene of the accident and can be helpful when filing a claim.

Report the Car Accident to USAA

You can call the USAA auto claims phone number. USAA auto insurance claims might require specific documentation, such as a police report before they begin your claim.

Do Not Sign Anything or Settle with the Insurance

Car insurance companies like USAA do everything they can to mitigate costs. They want to give you the least amount of money possible and will not look out for your best interests. Do not sign anything or be pressured into a settlement. Remember, you can claim the following damages:

  • Lost income (past, present, and future)
  • Medical expenses (past, present, and future)
  • Property damage
  • Pain and Suffering

Keep Records

Ensure you keep all repair receipts and correspondence with your insurance company.

Hire a Car Accident Lawyer

When in doubt, hiring a car accident lawyer is never a bad idea. Consider hiring a lawyer if you face a severe injury or missed work. You have the right to be compensated.

How Can a Car Accident Lawyer Help With my USAA Insurance Claim?

As we mentioned above, insurance companies like USAA want to mitigate costs as much as possible. They will pay you the least amount possible. Here's how a car accident lawyer can help you.

Gather Evidence

One of the essential steps to filing a USAA car accident claim is to gather as much evidence as possible. Evidence can include anything that can help establish the facts about the accident – photos, witness statements, police reports, etc. Your personal injury lawyer will gather as much evidence as possible to put you in the best position to be compensated for your losses. For example, suppose someone rear-ended your car and caused damage. In that case, you will want to gather evidence, such as photos of the accident scene, photos of your vehicle, and witness statements from those who were present. Without evidence, the other driver's insurance company could try to deny your claim or offer you much less than you deserve.

Submit Your Claim

Once we have gathered your evidence, we will submit your claim. This means we will ask the other driver's insurance company to cover the costs associated with the accident. After your personal injury lawyer submits your claim, you will probably receive several documents, such as an insurance declaration page and an offer of collateral. Because every claim is different, there is no standard timeline for when you can expect to receive payment. However, the sooner you submit your claim, the more likely it is that you'll receive a quick resolution and be able to move on from the accident.

What Is The Process For Filing An Auto Claim?

Filing a claim with USAA is simple; you can do it all online. USAA will request information on your accident as well as your contact information. You'll need to provide details about your accident, including the:

  • date
  • time
  • place
  • and other relevant information.

You can also upload any supporting documentation, such as photos of your car's damage or medical bills. Once your claim has been received, you'll be assigned a claims adjuster to manage your case. Remember- your claims adjuster will do everything possible to pay the least amount. If you are having difficulty getting the compensation you deserve and need, reach out to our car accident lawyers today.

How Long Does It Take To Settle A Car Accident Claim?

The amount of time it takes to settle a usaa car accident claim depends on several factors, such as the severity of your accident and your state's insurance regulations. On average, it takes about six months to settle car accident claims, though this timeline can vary widely from state to state. While you can't control how long your claim will take, you can control how efficiently your adjuster works. This can include providing thorough documentation, submitting fewer forms, and maintaining regular contact with your adjuster.

Tips For Filing A Car Accident Claim

Hire a lawyer. While policyholders can file most car accident claims without hiring a lawyer, it's always a good idea to hire a lawyer if you're facing a severe injury. Lawyers can help you file a claim, ensure your claim is as strong as possible, and work to expedite your claim to receive maximum compensation.


Car accidents can take a toll on your health and can also be costly. So whether you're at fault or another driver is, filing a car accident claim as soon as possible is essential. You can do this with your insurer, like USAA, and follow the steps outlined above to file a successful claim.

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