What happens if I disagree with USAA’s decision on my auto insurance claim?

Not every auto insurance claim goes smoothly. Sometimes, when you file a claim with USAA, the company may deny it or offer less compensation than you need. Therefore, it’s important to not panic and first check your policy and coverage limits and ensure you have the right type of auto insurance coverage for this event.

If everything makes sense on your end, you can contact USAA for an explanation and pursue an appeal or lawyer if necessary. Read on to learn more about what happens if you disagree with USAA’s decision on your auto insurance claim. (For more information, read our “How To Cancel USAA Auto Insurance in 5 Steps“).

Review Your USAA Policy Before Making an Appeal

When you log in to check the status of your auto insurance claim from USAA, it may alert you that you were denied or underpaid. Your first step is to review your policy details, coverage limits, and what type of auto insurance you have. Your coverage limit may reduce how much money you expect to get.

These limits determine the highest amount an insurance company will pay in case of a covered incident. Likewise, many drivers assume state-mandated coverage is enough for most scenarios, but you need a specific type for different events.

For instance, if you’re dealing with car theft, you won’t get far without comprehensive coverage. And if you were in an accident with another car, you need collision or liability coverage. Learn more about comprehensive vs. collision coverage.

Frequent drivers should consider affordable full coverage auto insurance to secure compensation for different events.

Other Reasons for USAA’s Decision

If you feel you have a case after reviewing your coverage, the next step is to call USAA for more information. For example, you may not have provided enough evidence to support the claim or have taken too long to submit it.

The company could also suspect negligence or your coverage may have lapsed due to late premium payments. USAA may also have reason to believe you misrepresented yourself and your driving record when you became a client.

Your adjuster may have also made a simple mistake, as they deal with several claims simultaneously.

If You Still Disagree With USAA’s Decision on Your Claim

If talking to USAA doesn’t resolve the situation, You can appeal for USAA to reconsider or seek legal guidance.

USAA can direct you on how to file an appeal and where to mail it. Make sure you explain why you disagree with USAA’s decision. Focus on the evidence you have and reiterate how it supports your claim. Make sure you also include basic details like your policy claim number.

Read More:

• What information do I need to provide when filing an auto insurance claim with USAA?
• What happens if I disagree with the insurance company’s decision on my claim?

You can even file an appeal if you misunderstood the terms of your policy. If the phrasing of your coverage terms is confusing or misleading, point it out and show proof on your policy documents.

If you suspect USAA is not acting in your best interest, you can seek legal guidance before sending your appeal. You should also consult with a lawyer if USAA denies your appeal.

Disagreeing With USAA’s Decision on Your Auto Claim: The Final Verdict

Not receiving the compensation you need can throw you for a loop. But as long as you remain calm and follow the appropriate steps, USAA may reverse its decision and pay the correct amount. As a last resort, you can pursue legal action if you believe USAA is treating you unfairly.