Negotiating a Settlement with USAA: Insurance Claim Tips & Tactics

Negotiating a settlement with USAA can be challenging. Any missteps can mean the difference of thousands of dollars.

Below we discuss ten tips on how to best approach your claim with USAA, answers to some frequently asked questions, and provide some real USAA settlements.

My suggestion is you read this entire article before you do anything with your claim against USAA.

Overview of USAA Claims

USAA, United Services Automobile Association, was founded in 1922 when 22 Army officers came together to insure each other’s automobiles. From there they have grown to be the fifth largest insurance company in the U.S. by premiums written.

USAA is a unique insurance company. USAA insurance policies are only offered to USAA members. To be a member you must be active, retired, or honorably separated military personnel or an eligible family member.

Limiting membership to this demographic most certainly meant the risk profile of their members tended to be on the lower end of the risk spectrum. This was due to a more disciplined pool of members with other lower risk factors. What this has meant historically for USAA members was lower premiums and higher customer satisfaction.

However, this trend is changing, and we have seen it on the claims side of the business. Their adjusters have become more unreasonable, nonresponsive, and cheap over the years.

In the past they would do what they could to avoid a lawsuit. But now it seems they welcome litigation and try to pay as little as possible just as the other large four carriers (State Farm, Allstate, GEICO, Progressive).

Overcome USAA’s Questionable Claims System

Negotiating a settlement with USAA insurance company, or any insurance company, requires preparation, persistence, and a strategic approach. Here are ten tips to help you navigate the process effectively:

1. Document Everything

Building your file against USAA is a great start to maximizing your settlement value.

In any personal injury case, you are required to proof your “damages.” Damages are recognizable losses resulting from the accident. This includes your medical expenses, damage to your car, and lost time at work.

Immediately after the accident take detailed notes about the accident, including how it happened, weather conditions, and any conversations with the other driver or witnesses.

Also, keep a record of all medical treatment, doctor visits, medications, and any therapy sessions related to your injury. You also want to save all receipts and bills for medical expenses, car repairs, and other related costs. Without proof of your losses, USAA won’t pay you fairly for your case.

2. Seek Immediate Medical Attention

Getting medical treatment as soon as possible after your auto accident is not only the best thing you can do for your well-being, but it also helps your case against USAA.

Once a USAA adjuster starts valuing your case, the first thing they’ll do is look at the severity of your injury and the type of medical treatment you sought throughout your claim. A USAA adjuster will take your claim more seriously if you immediately went to the emergency room by ambulance. With non-apparent injuries like whiplash or muscle sprains, as time passes and you do not see a doctor for your injuries, your case tends to lose value.

This is for a few main reasons:

• Duty to Mitigate Damages: An injured party has a duty under the law to avoid further preventable damages from occurring. This means that if your injuries get worse because you didn’t have them treated by a doctor, the responsible party is not on the hook to pay for them. In effect, failing to mitigate your damages can lower the value of your case.
• Causation: To be entitled to compensation, you must prove that the accident actually CAUSED your injuries. As time goes by without being evaluated by a doctor, uncertainty grows as to what the source of your injuries was.
• Claims Software: Most insurance companies, including USAA, use claims adjusting software to calculate their bodily injury claims settlements (more on this below). Their software works on a point system, assigning more points for certain variables, such as emergency medical treatment. A trip to the emergency room by ambulance, if reasonable, will give your claim the best chance for success.

3. Report the Accident

A police report or what’s commonly known as a Crash Report isn’t usually required to file a claim against USAA, but it will sure help to have one.

First, a crash report will include useful facts of the accident, including time, date, and location. The report will also include vehicle and insurance information.

Usually at the end of the report, the officer will give his/her opinion as to who was at fault. Although this isn’t always accurate, USAA will usually place significant weight on the officer’s opinion. They tend to side with the officer’s opinion of fault most of the time since they are viewed as both an unbiased witness and a semi-expert accident reconstructionist.

If you were involved in a hit-and-run accident and you’re seeking compensation from USAA for your uninsured motorist benefits, your policy may require that you file a police report before they will extend coverage.

Second, if there are injuries or property damage that exceeds a certain dollar amount, many states require that a crash report be filed.

Here are some examples:

• Arizona: A.R.S. § 28-667 – A full report must be filed by law enforcement in accidents resulting in bodily injury, death or damage to the property of any person in excess of $2,000 or the issuance of a citation. If the accident results in $2,000 or less in damage to property and does not result in the issuance of a citation or bodily injury or death, a brief report must still be filed.
• California: CVC §§ 20008, 20010, 16000, 160002 – The driver (or passengers, if driver fails to) must report the accident resulting in injuries or death within 24 hours to law enforcement. Also, driver must be report the accident to the DMV within 10 days. In company vehicle accidents, an employee also must report the accident to their employer within five days.
• Florida: 316.065, Florida Statutes – A driver must give notice to law enforcement in vehicle crashes resulting in injury, death, or damage to property of $500 or more.
• Texas: Texas Transportation Code 550.062 – A law enforcement officer must file a Peace Officer’s Crash Report if the accident resulted in injury, death, or property damage of $1,000 or more.

So, it’s important that you file a crash report, even if some time has passed since the accident.

4. Communicate Carefully

Be cautious in your communications with the USAA. Avoid admitting fault or downplaying your injuries to the adjuster. USAA adjusters are very skilled at minimizing your injuries. Their goal is to try to settle your case as quickly as possible for as little as possible.

If USAA is the at-fault party’s insurance company, DO NOT give them a recorded statement. You have no duty to give them any statement at all and certainly not one that’s recorded. If they claim they need your statement before they will determine liability, call a lawyer immediately!

If USAA is your insurance company and they’re requiring a recorded statement, you will probably need to give them one. BUT, here I would still contact a lawyer first before speaking to them. It doesn’t matter if they are your insurance company, once a claim is filed with USAA, your relationship immediately becomes adversarial. Don’t trust that they are acting in your best interest.

If you chose to go it alone in your case and not hire a lawyer, make sure you keep track of every communication with them, written and oral. Keep track of your offers and their offers as you work towards a settlement.  Don’t make any offers unless you intend to accept them. And if they make an offer be careful what you say while talking to them. A verbal acceptance of a settlement can be just as good as a written one.

If you get stuck trying to negotiate your own settlement, see if you can speak to the adjuster’s supervisor. Tell them you’d like a second set of eyes on your file. If you’re not able to resolve your case for a fair amount, contact a lawyer.

5. Beware of USAA’s Claims Software

As mentioned above, USAA uses claims adjusting software to calculate their bodily injury settlement values. They use software like Colossus and Auto Injury Solutions to calculate different components of your settlement.

The extent to which USAA uses Colossus is up for debate but they claim it’s only one factor in their overall analysis. What we know is that it can take into account hundreds of different diagnoses factors as well as thousands of other factors that help calculate the pain and suffering component of a bodily injury settlement.

Auto Injury Solutions (AIS) is another adjusting tool that USAA uses to undervalue the medical damages portion of bodily injury settlements. AIS was developed by CCC Intelligent Solutions created for:

• Medical Bill Review: AIS reviews medical bills to ensure that they are reasonable and necessary. This involves analyzing the medical services provided, their costs, and whether they align with standard practices and regional pricing.
• Injury Severity Assessment: AIS evaluates the severity of the injuries sustained in the auto accident. This involves reviewing medical records, diagnostic reports, and possibly consulting with medical professionals to understand the long-term impact of the injuries.
• Medical Treatment Evaluation: AIS examines the medical treatment received to determine its appropriateness and necessity. This includes looking at the duration and type of treatment, as well as any ongoing or future medical needs.
• Cost Containment: AIS claims to help identify ways to contain costs related to medical treatments and services. This could involve negotiating with medical providers or identifying alternative treatment options that are cost-effective yet medically appropriate.
• Data Analytics: AIS uses data analytics and industry benchmarks to compare similar cases and determine an appropriate range for settlements. AIS claims this ensures that settlements are consistent and fair based on historical data and industry standards.

USAA not only uses AIS for bodily injury settlements but also to calculate Personal Injury Protection and Medical Payments benefits submitted by their own insureds. In fact, USAA was so good at minimizing these claims that a class action lawsuit was filed against them for unfair settlement practices.

6. Highlight Your Non-Economic Damages

Non-economic damages are a category of recoverable losses that do not have a specific monetary value. Unlike “economic damages,” which cover quantifiable financial losses like medical bills, lost wages, and property damage, non-economic damages address more subjective, non-monetary harm.

These include:

• Pain and Suffering: Compensation for physical pain and emotional distress caused by an injury.
• Emotional Distress: Compensation for psychological impact, such as anxiety, depression, or trauma resulting from the incident.
• Loss of Consortium: Compensation for the negative impact on the plaintiff’s relationship with their spouse or family, including loss of companionship, affection, and sexual relations.
• Loss of Enjoyment of Life: Compensation for the loss of ability to enjoy daily activities, hobbies, and other pleasures of life.
• Disfigurement: Compensation for permanent physical changes that affect appearance and cause emotional distress.

Specifically, write a detailed account of how the injury has affected your daily life, emotional state, and overall well-being. Include specific examples. Explain how the injury impacts your ability to perform daily activities, enjoy hobbies, or interact with family and friends.

For your pain and suffering, describe in writing the physical pain and emotional suffering you endured, including any depression, anxiety, or stress caused by the injury.

To prove your pain and suffering, provide medical records that reflect the extent of your injury and the inherent pain and suffering that is associated with that type of injury. Also, within these records, there will be your statements to your doctor regarding your complaints you made about your pain. Statements made to your doctor are very credible evidence since most people tend to tell the truth to their doctor when they’re seeking medical treatment.

Witness statements are also helpful in proving your pain and suffering to USAA. Statements from friends, family, and colleagues attesting to the changes that they’ve observed in your physical abilities, behavior, mood, and activities will be extremely helpful.

Provide photos and videos to show the physical effects of your injury, such as scars, bruises, or other visible marks, and document your struggles with daily tasks. Also, provide comparative images or footage from before and after the injury to illustrate the changes in your life and activities.

7. Send a Formal Demand

When you’ve completed your medical treatment and think it’s time to settle your case, you may want to think about sending USAA a formal demand letter. A demand letter is the best way to lay out your case in a professional, organized manner to USAA. This will show them that you’re serious.

Do the following to draft a compelling demand letter:

• Gather All Necessary Information
  • Accident Details: Collect details about the accident, including the date, time, location, and how it happened.
  • Injury Documentation: Obtain medical records, bills, and reports that document your injuries and treatment.
  • Police Reports: Secure a copy of the police report, if available.
  • Photographs: Include photos of the accident scene, your injuries, and any property damage.
  • Witness Statements: Gather statements from any witnesses to the accident.
• Include an Accident Summary and Description
  • Accident Summary: Briefly describe the accident, including the date and location. Mention that you were injured and that the letter is a formal demand for settlement.
  • Narrative: Provide a detailed account of how the accident occurred, making it clear that the other party was at fault.
  • Police Report Reference: Cite the police report and any findings that support your account.
• Legal Liability Section
  • Fault: Clearly state why the other party is at fault and should be held liable for your damages.
  • Laws: Reference any traffic laws or regulations that the other party violated, if applicable.
• Injuries and Treatment
  • Medical Treatment: Describe your injuries and the medical treatment you received. Be specific about the type of injuries, treatments, and how they affected your daily life.
  • Medical Records: Reference attached medical records and bills to substantiate your claims.
• Impact on Your Life
  • Physical Impact: Explain how the injuries have affected your physical abilities and daily activities.
  • Emotional Impact: Mention any emotional distress or mental suffering you have experienced.
  • Financial Impact: Discuss lost wages, out-of-pocket expenses, and any other financial burdens resulting from the accident.
• Demand for Compensation Section
  • Itemized List: Provide an itemized list of your damages, including medical expenses, lost wages, property damage, and pain and suffering.
  • Total Amount: Specify the total amount you are demanding for settlement.
  • Rationale: Justify your demand with evidence, such as medical bills, repair estimates, and wage statements.
• End it With a Conclusion
  • Response Request: Request a prompt response and provide your contact information for further communication.
  • Settlement Offer: State your willingness to negotiate but emphasize that you expect fair compensation.
  • Deadline: Provide a reasonable deadline for a response, typically 14-30 days.
• Include Supporting Documentation
  • List and attach all supporting documents, such as medical records, bills, repair estimates, and witness statements.

If this list was a bit overwhelming, here is a sample demand letter:

Sample Demand Letter

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]

USAA Claims Department
P.O. Box 33490
San Antonio, TX 78265

Re: Demand for Settlement – Auto Accident on [Date]
Claim Number: [Claim Number]

Dear [Insurance Adjuster’s Name],

I am writing to formally demand compensation for injuries and damages resulting from the auto accident that occurred on [Date] at [Location]. I was injured in this accident due to the negligence of your insured, [At-Fault Party’s Name]. This letter serves as a comprehensive summary of my injuries, treatment, and the financial impact, along with my demand for a fair settlement.

[Provide a detailed description of the accident, injuries, and treatment, supported by attached documentation.]

As a result of this accident, I have incurred significant medical expenses, lost wages, and endured substantial pain and suffering. I am demanding a settlement of [Total Amount] to cover these damages.

Attached to this letter are copies of all relevant documents, including medical records, bills, the police report, and other supporting evidence.

Please respond to this demand within 30 days. I am open to negotiating a fair settlement and can be reached at [Your Phone Number] or [Your Email Address].

Sincerely,

[Your Name]

8. Calculate Your Damages Accurately

Calculating your damages accurately will ensure that you aren’t leaving any money on the table. You should calculate every recognizable form of your damages and make sure you present USAA with evidence to prove you’re entitled to compensation.

The most common forms of damages are medical expenses, lost wages, property damage, and non-economic damages (discussed above in #6).

Medical Expenses

Make sure you’re including all your past and future medical expenses, including medical bills from your ambulance ride, emergency room, primary care doctor, chiropractor, and any specialists.

Also, include receipts for any pain medication, orthopedic devices, and transportation costs to and from your appointments.

Lost Wages

You’ll want to submit to USAA proof of any lost wages you have as a result of your injuries. This includes any time for which you weren’t paid and time you were paid but had to use your sick time, PTO, or vacation time.

Non-Economic Damages

Calculating your non-economic damages might be difficult. So, you’ll have to get creative here. There are methods you’ll see when Googling how to calculate your settlement online. But I can assure you no one actually uses these methods.

USAA will rely heavily on their adjusting software for this calculation, especially on soft tissue injuries. The reality is the calculation of non-economic damage is highly speculative. But I’d say a commonsense approach to calculating pain and suffering and other non-economic damages come up with a lump sum figure that fairly compensates you for your pain, given the seriousness of your injuries.

You can calculate this lump sum amount by multiplying the number of days you felt pain since the accident by a daily dollar amount that you’d give up in exchange to feel no pain.

For example, let’s say you’d pay $50 a day in exchange to feel no pain from your injuries. And were in pain for 60 days. So, your past pain and suffering calculation may be $3,000.

Of course, you’d still need to estimate what your future pain and suffering would be. That may be a bit more difficult since you may not know how long you will suffer with pain. Do your best to estimate it and apply the same daily rate calculation as above.

Let’s do an example damages calculation to further illustrate.

Damages Calculation Example:

Paula was injured when someone rear-ended her while she was waiting at a red light.

Immediately after her accident, she went to the emergency room by ambulance.

Her injuries included headaches, whiplash, and back muscle sprains and strains. Thankfully, there were no fractures or other serious injuries.

She felt pain from her injuries for 90 days but now feels fine.

She treated with a chiropractor for 20 visits and got MRIs of both her neck and back. Her MRIs didn’t show any permanent injuries.

Paula’s total medical bills were $13,000.

She lost two weeks of pay as a result of her injuries, totaling $2,000.

Paula thinks $5,000 is a fair amount to compensate her for her pain and suffering for those 90 days.

So, Paula’s damages would equal $20,000 ($13,000 + $2,000 + $5,000).

9. Consider Legal Representation

You may have done everything you could do on your own to resolve your case against USAA. But now you’re stuck. It may be time to at least call a car accident lawyer and get some free advice. Why hire a lawyer?

Here are some reasons why you should consider legal representation with your case against USAA:

Level the Playing Field

When you’re up against USAA, having a lawyer by your side knowledgeable in personal injury law and experienced in dealing with insurance companies will even the playing field. USAA is large corporation with thousands of employees and tens of millions of dollars of resources. Trying to fight them on your own can be disastrous.

Overcome USAA’s Delay, Deny, Defend Strategy

USAA, like any other for-profit business, operates with the primary objective of generating profit. This objective is rational and expected.

Insurance companies like USAA accumulate substantial amounts of money through premiums paid by their policyholders. These funds are then invested in various avenues, including the stock market. The longer the company can retain these funds, the greater the potential for investment returns.

Consequently, their primary aim is to minimize claim payouts as much as possible, and if they have to pay a claim, take as long as they can to pay it. This tactic is known as the DELAY, DENY, and DEFEND strategy. They intentionally delay the payment of claims by conducting time-consuming investigations, reject claims that should rightfully be paid, and persistently defend claims until they reach trial and appeal stages.

With legal representation, insurance companies like USAA are unable to freely delay or deny your claim, as they must adhere to law. By having a lawyer assisting you, the claims process can be expedited, your claim can be validated, and any challenges from USAA can be effectively countered.

Maximize Your Compensation

Hiring a lawyer can significantly increase the amount of compensation you receive, as evidenced by research conducted by the Insurance Research Council (IRC) in to two distinct studies. In one of these studies, claimants who were represented by an attorney received settlements that were 40% more than those who did not have legal representation. Additionally, the other study conducted by the IRC also showed that claimants who had legal representation reported a larger rate of reimbursement for their losses.

10. Prepare for Potential Litigation

If a fair settlement cannot be reached, be prepared to file a lawsuit against USAA.

With the tide changing over at USAA, you may need to file a lawsuit to get fair value for your case. As mentioned above, USAA used to do what they could to avoid a lawsuit. They were more committed to their insureds and didn’t want to see them suffer through litigation. Those days are gone.

Filing a lawsuit may be the best way to proceed if you’ve done everything you could to get a reasonable settlement from them.

However, since litigation is very complex, I’d recommend you hire a lawyer before initiating litigation against USAA.

Frequently Asked Questions

Below are answers to some frequently asked questions about USAA claims and settlements.

Is USAA Hard to Deal With?

Yes, more so than before. I think, due to their current financial situation, USAA is now one of the more difficult large insurance companies to deal with.

Years ago, this wasn’t the case. As previously mentioned, USAA tried to avoid lawsuits and settle as many of their claims in prelitigation.

However, now you may need to file a lawsuit to get fairly compensated for your injuries.

What is the Average Settlement with USAA?

I’ll start this answer with a caveat: calculating a precise settlement average that will be helpful for your case, is impossible.

With that said, generally USAA settlements have fallen a bit, around where most large insurance companies’ averages are.

Soft tissue injuries (e.g., whiplash), where claimants have sought medical treatment, settle somewhere between $15,000 and $25,000. If injuries are more severe and surgery is involved, averages can exceed $100,000.

Keep in mind there are many factors in calculating a settlement value. Trying to calculate an accurate average will not only not be difficult but won’t really tell you anything about the value of your case.

The best way to find out what your case is worth is to discuss your case in detail with a lawyer experienced in handling USAA claims.

Does USAA Pay for Pain and Suffering?

USAA does pay for pain and suffering. If you recall from our discussion above, they rely on their adjusting software to calculate the pain and suffering component of your case.

Typically, the more severe your injury is, the more pain and suffering compensation you will be entitled to.

How Long Does It Take to Settle a Claim with USAA?

Most cases settle within three months to one year. Of course, every case is different, and some may settle immediately or could take years if a lawsuit is filed.

You should not be in a hurry to settle your case against USAA. As long as you’re within your state’s statute of limitations, you have time. You should wait until you’ve completed your medical treatment or have a good idea of what sort of medical treatment you’ll need in the future before you think about settling your case.

How Long Does It Take to Get a Settlement Check from USAA?

If you’ve agreed to a settlement with USAA and all requirements have been fulfilled to receive your settlement check, it typically takes 10-14 days to receive your check.

Does USAA Settle Out of Court?

Yes, in fact, most do. Even though USAA has gotten tougher over the years, it doesn’t mean they are taking a majority of their cases into the courtroom. They still probably settle 95% of their cases before it even reaches the courtroom steps.

Litigation is expensive for both sides and USAA is aware of that fact. They would rather avoid spending money on litigation and pay less now than spend thousands on litigation and potentially pay an excess verdict.

How Good is USAA at Paying Claims?

Not good. As previously discussed, they are in line with the other large insurance companies when it comes to valuing and paying claims. I would say they are now near dead last if we’re talking about the six largest insurance companies in the U.S. It’s a shame since they used to be one of the better large insurance companies.

What is USAA Claims Phone Number and Address?

Phone: 800-531-8722

Fax: 800-531-8668

USAA Claims Department
P.O. Box 33490
San Antonio, TX 78265

USAA Car Accident Settlements

Below are 10 real USAA settlements, some of which are our own cases. Although every case is different, these real settlement examples can give you an idea of what to expect from USAA.

Case Study #1: Client v. USAA Insured (Coconino County, Arizona)

Our client was crossing a street in a crosswalk at an intersection in Flagstaff, Arizona, when a USAA insured traveling in a pickup truck struck her.

From the scene of the accident, she was taken to the emergency room by ambulance.

Our client suffered a left distal radius transverse impacted fracture, along with soft tissue injuries to her neck and back.

She underwent an open reduction and internal fixation (ORIF) surgery to repair the fracture. She also had follow-up surgery to remove the hardware used in the ORIF.

We submitted our demand for policy limits to USAA. They later responded with a policy limits tender of $100,000.

Case Study #2: Client v. USAA Insured (Pima County, Arizona)

Our client was traveling through the intersection of Ina Road and Shannon Road in Tucson, Arizona, when a USAA insured turned left in front of him, causing the accident.

Our client was taken to the emergency room by ambulance from the scene of the accident. Our client complained of headaches and pain all over his body. He was diagnosed with muscle sprains and strains and later released.

He followed up with treatment with a chiropractor and got MRIs of his neck and back. The radiologist noted several small disc bulges and herniations.

Once our client was released from all treatment, we sent a policy limits demand. USAA later tendered $25,000, which was their policy limits.

Case Study #3: Client v. USAA Insured (Bexar County, Texas)

Our client, while attempting to make a left-hand turn on Rolling Stone Street from Guilbeau Road in San Antonio, Texas, was rear-ended by a USAA insured.

Immediately after the accident, our client was taken to the emergency room by ambulance. She was later diagnosed with soft tissue injuries and released later that day.

Our client underwent several rounds of physical therapy. Due to persistent pain, she underwent a series of epidural steroid injections in her neck and back.

Our client initially attempted to handle her case against USAA alone. But after almost two years of no progress, she decided to hire us to take over. We immediately filed a lawsuit in Bexar County District Court.

We were able to successfully settle her case in litigation for $45,000.

Case Study #4: Client v. USAA Insured (Clay County, Florida)

Our client was traveling eastbound on Country Road 220 in an unincorporated area in Clay County, Florida, when a USAA insured turned left in front of her, causing a collision.

Two days after the accident, our client presented to a chiropractor with complaints of neck and back pain. She underwent several months of chiropractic treatment. Due to persistent pain, she was referred to a pain doctor and underwent a series of epidural steroid injections.

After we submitted our demand, USAA later tendered their policy limits of $50,000.

Case Study #5: Client v. USAA Insured (Dallas County, Texas)

Our client, a pedestrian, while on the sidewalk was struck at a low speed by a USAA insured as he attempted to make a turn into a private drive.

Our client presented to the emergency room with complaints of pain to his left shin and knee. He was diagnosed with a displaced bicondylar fracture of the left tibia.

He later followed up with an orthopedic surgeon to monitor the healing of the fracture. The orthopedic surgeon ordered an MRI of his knee to ensure proper healing of the tibia fracture. Our client also treated with a physical therapist to encourage healing of the affected body part.

After several rounds of negotiations with USAA, we were able to successfully settle our client’s case for $65,000.

Case Study #6: Plaintiff v. USAA Insured (Bexar County, Texas)

Plaintiff, a pedestrian, was walking across St. Mary’s Street in downtown San Antonio, Texas, when a USAA insured struck him, causing injuries to his foot, hip, head, back, and knee.

He immediately was taken to the emergency room by ambulance. He was later diagnosed with a fractured left foot, lower back strain, and disc herniations.

The Plaintiff treated with a chiropractor for six months and underwent two MRIs of his neck and back.

Due to persistent pain in his neck, Plaintiff underwent a series of epidural steroid injections and facet joint injections.

Later, the Plaintiff was able to settle his case against USAA in mediation for $130,000.

Case Study #7: Plaintiff v. USAA Insured (Humboldt County, California)

Plaintiff was traveling on his motorcycle on R Street in Eureka, California, when a USAA insured in a pickup truck made a left turn in front of him, causing a collision.

Plaintiff was taken by ambulance to the emergency room from the scene. He was diagnosed with pelvic fractures, hand fracture, fractured ribs, and a collapsed lung.

He later underwent surgery on his hand, as well as physical therapy. His hip fractures and hand injury caused permanent impairment. He also lost seven months of work.

Plaintiff’s attorneys were able to settle his case against USAA for $300,000.

Case Study #8: Plaintiff v. USAA Insured (Santa Clara County, California)

Plaintiff was traveling in his vehicle on Campbell Avenue in Campbell, California, when he was struck by a USAA insured traveling in the opposite direction as she attempted to make a left turn.

Plaintiff later treated with an orthopedic surgeon for his lower back injuries. He complained of radiating pain down his leg. He was diagnosed with herniated discs at the L4-L5 and L5-S1 levels. As a result, he underwent a lumbar discectomy and lumbar fusion.

The case later settled in litigation for $600,000.

Case Study #9: Plaintiff v. USAA Insured (Los Angeles County, California)

Plaintiff was traveling on Olympic Boulevard in Los Angeles, California, when the driver of the vehicle in which she was riding as a passenger collided with a bus.

She was immediately taken to the emergency room by ambulance. She was later diagnosed with a 3-4 mm disc bulge at the C6-C7 level. The Plaintiff treated with a chiropractor for one month. Additionally, she underwent a series of epidural steroid injections and cervical fusion.

The case was later filed in the Superior Court of Los Angeles County. The Plaintiff was able to successfully settle her case against USAA for $300,000.

Case Study #10: Plaintiff v. USAA Insured (Alachua County, Florida)

Plaintiff, a bicyclist, was negligently struck by a vehicle operated by a USAA insured.

Plaintiff immediately was taken by ambulance to the emergency room. He was later diagnosed with a closed head injury, broken ribs, and clavicle and scapula fractures. Plaintiff underwent surgery to repair the clavicle fracture, which required hardware installation and later removal.

The plaintiff was able to settle his case against USAA before trial for $290,000.

Contact Our Experienced Car Accident Lawyers to Handle Your USAA Claim

Call us today for a FREE consultation regarding your USAA bodily injury claim. Our car accident injury lawyers can investigate your accident, determine the at-fault party, and help you present the best case possible to USAA. Call (855) 545-1777 to speak to our personal injury attorneys directly.