How does USAA handle claims involving uninsured/underinsured motorists?

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.

Read more: How does USAA handle claims involving hit-and-run accidents?

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. (For more information, read our “What is a subrogation claim in the car insurance claims process?“).

Case Studies: Handling Claims Involving Uninsured/Underinsured Motorists With USAA

Case Study 1: Prompt Resolution

Emma was involved in an accident with an uninsured motorist. She promptly notified USAA about the incident and provided all the necessary documentation, including the police report and witness statements.

USAA assigned an adjuster who quickly evaluated the damages and determined the liability of the uninsured motorist. Within a week, Emma received a fair settlement for her vehicle repairs. She appreciated USAA’s efficient handling of her claim.

Case Study 2: Liability Dispute

Mark filed a claim with USAA after a collision with an underinsured motorist. The other driver contested the liability, complicating the claims process. USAA conducted a thorough investigation, gathering evidence and interviewing witnesses.

After weeks of negotiation, USAA reached a settlement that adequately covered Mark’s damages. Despite the liability dispute, Mark commended USAA for their commitment to resolving the claim fairly.

Case Study 3: Comprehensive Coverage

Sarah’s vehicle was severely damaged by an uninsured motorist. She had comprehensive coverage with USAA, which included uninsured motorist property damage (UMPD). Sarah promptly reported the incident to USAA and provided all necessary documentation.

USAA’s adjuster assessed the damages and determined the uninsured motorist’s fault. Sarah’s claim was processed swiftly, and she received full compensation for her vehicle’s repair costs. She was grateful for USAA’s comprehensive coverage and efficient claims handling.

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.