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You may be able to sue USAA, or United Services Automobile Association, following a car accident. However, the process of bringing a lawsuit against a large insurance company like USAA can be very complex.
If USAA did not handle your auto accident or personal injury case appropriately, or you did not receive a fair settlement offer after filing a claim, consider reaching out to a car accident lawyer.
Your car accident attorney, or personal injury lawyer, can help determine if you have a solid case against USAA and whether a lawsuit will yield favorable results. They can also represent you in a court of law and work to ensure you receive a fair verdict.
One important thing to know about lawsuits against large insurance companies such as Geico, State Farm, Allstate, and USAA is that where you live will impact the lawsuit. Whether the state is an at-fault or no fault state will play the largest role.
For example, Texas is an at-fault state. This means that you will file first a claim and then potentially a lawsuit against the at-fault driver’s insurance company. If your state is a no-fault state, you’d file the lawsuit against your own insurance company.
If you’re unsure of the laws within your state regarding fault, your car accident attorney can help you better understand these laws and how they affect your unique auto or motorcycle accident case.
Answer: No, suing USAA is not the same as filing a USAA car accident claim.
Submitting an accident or personal injury claim with the insurance provider is the first step you want to take following a vehicle crash.
The claims process typically involves:
If your claim is denied, not handled appropriately, or USAA offers a settlement that doesn’t fully compensate you for damages and losses, you may wish to proceed with filing a lawsuit against the company.
In many cases, lawsuits are filed against USAA due to the provider acting in bad faith throughout the USAA insurance claims process.
Common examples of bad faith on behalf of an auto insurance company include:
If you feel USAA or their claims adjusters have acted in bad faith while handling your auto accident claim, work with an attorney to ensure your rights are upheld and you receive a fair payout.
Answer: You may file a car accident lawsuit against USAA, known legally as either a personal injury lawsuit or a wrongful death lawsuit.
Here is a breakdown of these types of lawsuits:
If you’re unsure which lawsuit is best suited to your case, the injury law firm you choose to work with can offer you guidance.
Each vehicle accident is different and will pose different factors that influence a lawsuit. However, there are some common factors typically considered when suing insurance companies.
These factors may include:
The following are common steps you can take when suing an insurance company like USAA following a car crash.
Contact a car accident attorney as soon as possible following an accident. Your attorney can advise you on your options and the best course of action given your unique case.
Your attorney can also assist you in gathering all necessary evidence needed for both a claim and a lawsuit, including recorded statements and police reports.
In nearly all cases, accident victims will need to first submit a claim with the at-fault driver’s insurance company before further action can be taken.
Once submitted, you or your attorney will work with a USAA claims adjuster to ensure all necessary information is available for evaluation.
After submitting your claim, your attorney will work on your behalf with the insurance adjuster or other party’s legal representation to negotiate fair compensation for your losses and damages.
If a fair settlement is unable to be reached, your attorney may recommend that you file a lawsuit against USAA.
In order to successfully file an insurance claim, there are key pieces of evidence you need to submit along with your claim.
Some important pieces of evidence to include with your USAA auto accident claim are:
There are a few primary types of auto insurance coverage offered by USAA. The type of insurance coverage you and the at-fault driver have can play a role in your lawsuit outcome.
The following types of coverage are available through USAA auto insurance policies:
Answer: How long you have to bring a lawsuit against USAA following an auto collision is dependent on the statute of limitations in your state.
While each state is different, many have a two-year statute of limitations for auto accident and personal injury cases. This means you have two years from the date of the accident to sue USAA.
If you fail to bring a lawsuit against USAA in that timeframe, you may be ineligible to do so. Your attorney can help you better understand how long you have and help ensure you meet all deadlines when filing a lawsuit.
While USAA doesn’t provide readily available information on its car insurance settlements, there is data available for all major car insurance providers that include USAA.
Some statistics related to car insurance lawsuit settlements in the United States include:
The types of damages incurred in an auto accident can have a significant impact on the overall outcome and settlement amount in a lawsuit.
Common damages seen in car accident lawsuits against USAA include:
Your accident attorney can help you decide which damages apply to your case and ensure they are included in your lawsuit.
The following statistics and facts are related to USAA auto insurance*:
*According to data compiled by U.S. News & World Report.
If you’ve been involved in a car accident and feel that USAA didn’t handle your claim fairly, or worse, denied your claim, reach out to an experienced auto accident attorney.
At LegalFinders, we know how stressful life can be following a car crash, so we do the hard work for you and thoroughly vet every lawyer we recommend to our clients.
Contact us today to get connected with the best personal injury attorney for your unique case and to set up a free consultation.
The following are questions frequently asked in relation to car accident claims and lawsuits with USAA.
You can file a car accident claim with USAA by calling their claims center phone number or online. You can then follow your claim’s progress by logging into your USAA account through their website.
Once an auto accident claim is filed and all information is provided, USAA typically handles claims by performing an inspection to determine the claim value. Once this is done, USAA will send payment to the claimant.
How long after an auto accident you have to file a claim with USAA will largely depend on your state’s statute of limitations.
The sooner you file the claim, the better, with most large insurance providers preferring that you file a motorist claim within 24 hours of the collision.
Insurance Information Institute. “Facts + Statistics: Auto insurance.” Retrieved from: https://www.iii.org/fact-statistic/facts-statistics-auto-insurance#Collision%20losses.
U.S. News & World Report. “Bad Faith in Insurance.” Retrieved from: https://www.usnews.com/insurance/glossary/bad-faith-in-insurance.
U.S. News & World Report. “USAA Car Insurance Review for 2023.” Retrieved from: https://www.usnews.com/insurance/auto/usaa-car-insurance-review.
USAA. “TYPES OF CAR INSURANCE COVERAGE.” Retrieved from: https://www.usaa.com/inet/wc/auto-insurance-coverage-types?akredirect=true.