What information do I need to provide when filing a car insurance claim with USAA?
To file a claim with USAA, you'll need policy information, personal information, and details of the accident. The company allows policyholders to file USAA car insurance claims online, on the app, and over the phone. Still, the information you need to provide when filing a car insurance claim with USAA remains the same, no matter the method.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Nov 27, 2023
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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: Nov 27, 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
- The first step before filing any claim after an accident is to guarantee your own safety
- Filing a claim with USAA will require the date, time, and location of the incident, along with photographic evidence of damage
- If available, you will need to also provide the police report, along with the officer’s name and badge number
You might be curious as to what you need to file a claim with USAA. While this can be a daunting process if you haven’t done it, it is thankfully fairly straightforward.
If you’d like more information on filing claims, you can check our guide on how to file a car insurance claim. Let’s see what is actually needed to successfully file a claim with USAA.
What You Need to Provide When Filing a Claim With USAA
What you need to file a claim doesn’t change regardless of the type of car insurance you have. For more information on different car insurance, you can check our guide on the types of car insurance coverage.
Filing a claim has the same basic requirements for any USAA policy, despite the nature of the incident.
You will need the date, time, and location of the incident. A detailed account of the actual occurrence of the incident is usually required.
If you were in a car accident where emergency services arrived, you will also need to get the officer’s name, badge number, and a copy of the accompanying police report. Having photographs of any damages to your vehicle is helpful before USAA sends its own claims adjuster.
Essential Things to Keep in Mind When Filing a Claim With USAA
It is important to temper your expectations over what sort of financial compensation you receive as part of your claim. If you’re curious about what your coverage means, you can check our car insurance coverage guide. Different policies will have different aspects of an accident they cover.
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How to File a Car Insurance Claim With USAA
Filing a claim with USAA is a straightforward process. If you have the required documentation in hand, you can contact your insurance agent, the USAA app, or the web portal online.
At no point during the claim filing process should you admit fault for the accident itself. That will be up to USAA and law enforcement to discern, so avoid this when giving your account of the incident.
USAA is great at handling claims, which you can see in our USAA review and complaint guide. The process itself can take up to thirty days, but providing as much detail as possible might result in a shorter resolution time.
Case Studies: Filing Car Insurance Claims With USAA
Case Study 1: John’s Car Accident
John, a USAA policyholder, was involved in a car accident on July 3, 2023. He promptly filed a car insurance claim with USAA to report the incident. John provided the necessary information, including the date, time, and location of the accident, as well as a detailed account of what happened.
He also obtained the police officer’s name, badge number, and a copy of the police report. Additionally, John took photographs of the damages to his vehicle before USAA’s claims adjuster assessed the situation. The claim process with USAA took approximately three weeks, and John received compensation for the damages.
Case Study 2: Sarah’s Stolen Car
Sarah, another USAA policyholder, experienced the theft of her car on June 15, 2023. She immediately contacted USAA to report the incident and file a car insurance claim. Sarah provided the necessary policy information, personal details, and a thorough description of the stolen vehicle.
USAA guided her through the process of filing a police report and provided support during the investigation. After a thorough assessment, USAA compensated Sarah for the loss of her stolen car based on her policy coverage.
Case Study 3: Michael’s Hail Damage
Michael, a USAA policyholder, encountered a severe hailstorm that caused extensive damage to his car on May 10, 2023. He promptly contacted USAA to initiate a car insurance claim for the hail damage. Michael provided all the required information, including the date of the incident and the detailed account of the damages.
He also took photographs of the hail damage before USAA’s claims adjuster assessed the vehicle. USAA processed Michael’s claim and arranged for the necessary repairs to his car. Michael received compensation for the repair costs as covered by his policy.
The Last Word on What You Need to Provide to File a Claim with USAA
Hopefully, you are armed with what to expect when filing a claim with USAA. The requirements themselves might seem exhaustive, but it is to provide as much detail as possible. With this in mind, you should be prepared in the event that you file a claim with USAA.
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Frequently Asked Questions
Why do I need a police report for my claim?
A police report is going to be a vital third-party account of the accident and all involved parties. As such, it is another piece of documentation that can help with getting the financial compensation you need for vehicle repairs and medical bills.
Your memory after an accident can be fallible, a police report is going to be an unbiased account that hopefully corroborates details of your own account.
Are photographs of the damages important for my claim?
They can be. Usually, your insurance provider will dispatch a claims adjuster or inspector to go over any damages. Photographic evidence can at least give an initial view of any potential damages beyond just cosmetic flaws.
Can I file my USAA claim online?
You certainly can, but you might be required to contact an insurance representative at some point. The purpose of this is usually statements regarding an accident are given verbally and recorded by your insurance company. You can initiate the claims process online or through the app, however.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.