USAA Claims
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Contact usAuto claims overview
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What our auto policies typically cover
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Liability
- Bodily injury liability helps cover injuries you may cause.
- Personal injury protection covers injuries and lost wages.
- Property damage liability helps cover repairs to someone else's vehicles, home, and surrounding structures.
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Comprehensive coverage
- Your vehicle is stolen or damaged by fire, riots or explosions.
- Your car's damaged by falling trees, branches or rocks.
- You hit an animal, or hail, flooding or other weather-related events damage your vehicle.
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Collision
- You're covered if your car flips during an accident.
- You're covered if you collide with another vehicle.
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Uninsured or underinsured motorist
- This coverage helps protect you or others on your policy if you're hit by a driver with little to no insurance.
- You're covered if you're the victim of a hit-and-run.
How deductibles work
Your deductible is the amount you'll have to pay out of pocket for repairs before your coverage kicks in. If you have a $500 deductible and $1,500 in vehicle damages, you'd pay for the first $500 and we'd cover the rest.
Where do I find my deductible? View my policySample Payment
See notea This is an example of a deductible payment.
Log on to view your policy details.
How the claims process works
Step 1 Tell us what happened.
Provide details and upload photos of the damage.
Step 2 Get an inspection.
Get a photo estimate or visit a USAA-approved repair shop.
Step 3 We'll send payment.
USAA will send the repair amount minus your deductible.
Step 4 Get your car repaired.
Select a USAA-approved repair shop or choose your own.When you should file an auto claim
It's optional if:
- There's minimal damage.
- The cost of vehicle repairs is less than your deductible.
- You don't want to fix your vehicle and it's not owned by any other party, lease or finance company.
You should file if:
- You, your passengers or others are injured.
- You caused damage to someone's vehicle or property.
- You caused damage to a municipality's property.
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What to do at the scene of an accident
Whether you've just been in a collision or simply need a refresher, this checklist gives you the steps you can take at the scene of an accident.
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When your vehicle is considered a total loss
Your car is deemed a "total loss" when the cost to repair it exceeds what it's worth. We'll offer to pay out your vehicle's actual cash value.
Let our claims videos help show you the way.
Get an in-depth look at common auto and homeowners claims topics.
Nonpolicyholder claims
If you were in an accident with a USAA member, you can file a claim here.
Manage your claim faster on the app
- Upload photos of the damage.
- Schedule repairs and a rental car.
- View estimates and claim status 24/7.
Where to find your deductible information
Your deductible is located directly above your driver's license information.
Auto claims FAQ
Still need help?
If you can't find the information you need, help is available by phone or on the app.
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