USAA

📞 How to File Insurance Claim

• ✅ Online via USAA.com or app
• ✅ By phone
• ✅ Through an agent

💡 Pro Tips

• Have all documentation ready before calling or submitting (police report, medical records, photos) to avoid processing delays[2][1].
• Be prepared for your case to be transferred between adjusters, which can slow the process[2].
• Follow up regularly, as claims can be delayed or misplaced if documentation is missing[2].
• Use USAA-approved repair shops for a smoother process, but you are not strictly required to[1].
• Double-check medical billing codes before submission to avoid claim denials for incorrect or missing codes[2].

⚠️ Watch Out For

❌ Deductible may apply to your claim[1].

❌ Out-of-pocket expenses may be temporarily required if USAA awaits reimbursement from another insurer[1].

🎁 Common Retention Offers

USAA may try to keep you with:

• Slightly increased settlement offers if you appear dissatisfied or after escalating, but initial offers often remain low unless you push back[4].
• Greater increases in offers if you begin or threaten legal action, especially as trial approaches[4].

Only accept if it truly meets your needs!