Filing a USAA Insurance Claim in Texas

Filing a USAA Insurance Claim in Texas

Get expert help with USAA Insurance claims! Protect your interests & secure rightful compensation.

May 8, 2023

Unlike most insurance companies, USAA Insurance only insures veterans, members of the U.S. armed services, and their family members.  Because USAA Insurance provides coverage to so many people who are actively serving in the military, it is common to find high volumes of car accidents involving USAA Insurance on or around the following military bases that are scattered throughout Texas, such as:

  • Laughlin Air Force Base in San Antonio, Texas
  • Naval Air Station located in Corpus Christi, Fort Worth, and Kingsville, Texas
  • Fort Bliss in El Paso, Texas
  • Fort Hood in Killeen, Texas

Many people believe that USAA Insurance is one of the less difficult insurance companies to deal with when involved in a car accident. While this may be true, it does not mean that they will not place their interest in front of yours.  As a claimant who will be demanding USAA Insurance to pay for your claims, they will always look for ways to save themselves money.  This is especially important to know if you have been injured as a result of somebody else’s negligence since the costs of quality medical treatment can increase quickly.

What kind of claims can I have against USAA Insurance?

There are a variety of different claims that can be made against USAA Insurance.  The most common claim is for property damage and bodily injury.

  • Liability: this is the most common claim, and will usually be used to pay for somebody’s property damage and/or personal injury claims.
  • Uninsured Motorist Claim (also known as a first-party claim): this kind of claim is common in hit-and-run accidents.  This kind of claim is also common when the other driver did not carry insurance at the time of the incident.  This can occur when the other driver knowingly did not have car insurance or inadvertently allowed his policy to lapse.  this kind of claim is also made when the negligent driver was an “excluded driver” under the insurance policy. Unlike a liability policy, uninsured motorist coverage is not required in Texas so you would have to check your specific insurance policy to see if you had this coverage at the time of the incident.
  • Underinsured Motorist Claim (also known as a first-party claim): this kind of claim is commonly used when the negligent driver did have a liability policy, but the policy limits were insufficient for the amount of damages that you sustained as a result of the accident. Unlike a liability policy, underinsured motorist coverage is not required in Texas so you would have to check your specific insurance policy to see if you had this coverage at the time of the incident.
  • Personal Injury Protection Claim (also known as a “PIP” claim): this type of claim is made in connection with compensation for medical bills and/or lost wages.  Personal Injury Protection is another optional benefit that is not required in Texas so you would have to check your specific insurance policy to see if you had this coverage at the time of the incident.

When you have a claim with USAA, here are a few important things to keep in mind:

  1. Open a claim as soon as you can
  2. Do not admit fault
  3. Do not agree to provide a recorded statement without first consulting an attorney
  4. Do not agree to provide a written statement without first consulting an attorney
  5. Do not agree to settle your bodily injury claims if you are still treating or if it is likely that you will need medical treatment in the future as a result of the accident

Navigating Claims with USAA Insurance: Reach Out for Expert Help

Dealing with USAA Insurance may seem less daunting compared to other insurance companies, but it's essential to remember that they, too, have their interests at heart. As you navigate the various types of claims, including liability, uninsured motorist, underinsured motorist, and personal injury protection claims, it's crucial to stay informed and vigilant. Be prompt in opening your claim, avoid admitting fault, and consult an attorney before providing any recorded or written statements.

A car accident can be a traumatic and overwhelming experience, especially when dealing with insurance claims. To ensure you receive the compensation you deserve, consider reaching out to an experienced attorney who specializes in car accident claims. They can help you navigate the complex process, provide guidance on dealing with USAA Insurance, and advocate on your behalf.

Don't let the insurance company dictate the outcome of your claim. Take control and protect your interests by contacting a skilled USAA insurance attorney today. Schedule a free consultation and learn more about how an expert can help you secure the compensation you deserve. Act now and make sure your rights are protected.

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