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USAA

USAA

Complete customer service guide. Skip the hold times with AI.

Avg. Hold Time
5-10 minutes
Difficulty
Medium
Phone
800-531-8722
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News & Safety Alerts

Recent News 5

lawsuit
3 weeks ago

USAA Data Breach Class Action Lawsuit Filed Over Customer Information Exposure

A class action lawsuit was filed in federal court in New York alleging that USAA failed to adequately protect the personal information of thousands of customers during a data breach that occurred between December 2022 and May 2023. The suit claims USAA delayed notifying customers until June 2023 and did not implement sufficient security measures to safeguard data[3].

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lawsuit
3 weeks ago

USAA Accused of Overcharging Auto Insurance Customers During the Pandemic

A class action lawsuit filed in California alleges USAA unfairly profited by maintaining high auto insurance premiums despite a significant reduction in driving and accidents during the COVID-19 pandemic. The plaintiff claims USAA’s profits increased at the expense of customers due to fewer claims being paid[4].

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general
3 weeks ago

USAA Restricts New Homeowners Insurance Policies in Wildfire Risk Areas in California

USAA has cut back on issuing new homeowners insurance policies in wildfire-prone areas of California. This was clarified in response to statements by Governor Newsom, who incorrectly suggested USAA had left the California market entirely.

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recall
3 weeks ago

Consumer Complaints Focus on Insurance Pricing and Data Security, Not Product Quality

Recent consumer complaints and legal actions against USAA primarily concern insurance pricing fairness during the pandemic and data security lapses rather than product defects or safety issues[3][4].

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outage
3 weeks ago

USAA Continues to Serve Customers Despite Market Challenges

Despite some restrictions and legal challenges, USAA remains active in the insurance market, including California, and has not exited any major markets as of 2025[6]. No new service outages, billing issues, or major business changes for USAA were reported in the latest news.

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File Insurance Claim USAA

📞 How to File Insurance Claim

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

Phone: 800-531-8722

Website: https://www.usaa.com

Best time to call: Morning hours or midweek (Tuesday-Thursday) to reduce wait times

💡 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!

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