How does USAA handle claims involving uninsured/underinsured motorists?
Filing a claim after an auto accident with an uninsured driver can seem complicated. However, USAA's uninsured motorist claims process is pretty simple. Understanding how USAA handles claims involving uninsured/underinsured motorists can help the process go more smoothly.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: May 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- USAA offers uninsured and underinsured motorist coverage as part of its auto insurance policies
- USAA uses an adjuster to examine the circumstances of an accident, establish the responsibility of the driver, and calculate potential coverage
- USAA will attempt to recover the damage to the policyholder if the uninsured or underinsured motorist is determined to be at fault.
Being involved in a car accident can be a stressful experience, and it becomes even more complicated when the other party is uninsured or underinsured. In such situations, having a reliable insurance company is crucial.
USAA (United Services Automobile Association), a well-known provider of insurance products and services, is one of the best uninsured motorist coverage car insurance companies and the various challenges you face.
This article will explore how USAA handles claims involving uninsured/underinsured motorists, providing valuable insights for policyholders.
How USAA Handles Claims Involving Uninsured/Underinsured Motorists: Coverage
USAA, one of the best cheap car insurance companies, offers uninsured and underinsured motorist coverage as part of its auto insurance policies. This coverage protects policyholders when they are involved in accidents with drivers with inadequate or no insurance.
One coverage is Uninsured/Underinsured Motorist Bodily Injury (UMBI), specifically addressing injuries sustained by the policyholder and their passengers. This coverage compensates for medical expenses, lost wages, and pain and suffering from the accident.
In addition to UMBI coverage, USAA also offers Uninsured/Underinsured Motorist Property Damage (UMPD) coverage, which helps policyholders recover the costs of repairs or vehicle replacement.
By adding these coverages to their policy, USAA customers can ensure they are financially protected against losses resulting from such accidents.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
How USAA Handles Claims Involving Uninsured/Underinsured Motorists: Reporting
When policyholders are involved in an accident with an uninsured motorist, it is important to notify USAA promptly since it allows them to initiate the claims process and guide policyholders through the necessary steps.
In addition, USAA has a dedicated claims department available 24/7 to assist customers in reporting and handling claims efficiently.
Learn more about USAA at our USAA Insurance review.
How USAA Handles Claims Involving Uninsured/Underinsured Motorists: Claims Investigation and Evaluation of Damages
Once you report a claim, USAA will assign an adjuster to investigate the circumstances of the accident. The adjuster will gather information, review police reports, speak with witnesses, and assess the extent of the damages and injuries.
Their goal is to determine the liability of the uninsured or underinsured motorist and evaluate the potential coverage under the policy. If the fault can’t be determined after a car accident, USAA will continue to work until a fault is determined or until it reaches another agreement.
USAA will evaluate the damages and injuries sustained by the policyholder and any passengers involved in the accident. The aim is to assess the financial impact of the accident and determine the appropriate compensation for the policyholder.
In cases where the uninsured/underinsured motorist is found to be at fault, USAA will seek to recover the damages paid out to the policyholder. This process, known as subrogation, involves pursuing the responsible party for reimbursement.
Closing Thoughts on How USAA Handles Claims Involving Uninsured/Underinsured Motorists
USAA’s approach to handling uninsured and underinsured motorist claims is efficient and customer-oriented. From the ability to file a claim online to the expedited process for getting claims resolved quickly, USAA provides a reliable experience for members.
If you have further questions about how to file a car insurance claim or what to do if you’re in an accident involving an uninsured/underinsured motorist, contact USAA for more information.
Frequently Asked Questions
Does USAA only serve members of the military?
USAA primarily serves military members, including active duty, retired, and honorably discharged military personnel.
They also offer insurance products and some banking services to non-military individuals who can demonstrate a familial connection to someone who has served in the military, including spouses, widows or widowers, and adult children of USAA members.
Is USAA a reliable insurance provider?
USAA is regarded as a reputable company that offers its members a wide range of insurance and financial services.
USAA has consistently received high ratings for customer satisfaction in various industry surveys. They offer a wide range of insurance products, including auto, home, life, and various other types of insurance.
Is driving uninsured a serious offense?
Driving uninsured is a serious offense that can lead to legal consequences. In most states, it is illegal to drive without auto insurance coverage.
If you are caught driving without insurance, you may face various consequences, such as getting a suspended license, receiving a ticket, or even serving jail time. In some states, alternative options to traditional car insurance coverage exist, such as self-insurance or bonding.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.