Here's our 5-step auto claim process.
1. Report
You'll tell us what happened, then reserve a rental and set your method of inspection in our claims center.
2. Investigate
We'll determine who's responsible for the accident, typically within 14 days of filing. Then we'll let you know what we need and your next steps. You can check your claim status and contact your adjuster in the claims center.
3. Estimate
Get your car inspected so we can estimate how much it'll cost to do repairs, continue our investigation and address any claims against you. It can take up to 7 business days for us to receive and review the estimate. Once we write the estimate, we'll let you know when work can begin. Set up an inspection in the claims center.
4. Pay
If you have a deductible, you pay it to the shop once repairs are complete. Then the shop will collect the rest of the payment from you or USAA. We'll make the payment depending on the preferences you set up.
5. Repair
If more damage is found during your repairs, take your USAA-approved estimate to the shop and we'll work directly with them on hidden damages.
How does USAA's auto claims process work?
Car Insurance Claims Process
Video Duration: 1 minutes 55 seconds
Transcript Date: Nov. 22, 2022
File your claim Elapsed Time 0 Seconds
When you've been in an accident, you want to get things back to normal as quickly as possible.
You can file your claim using usaa.com or the USAA Mobile App at any time. And the My USAA Claims Center helps you know where you are in our 5-step claims process along the way.
Here's what our process looks like.
The 5 steps of a claim Elapsed Time 17 Seconds
Step 1 Report
You'll tell us what happened, then reserve a rental car and set your method of inspection in the My USAA Claims Center.
Step 2 Investigate
We'll determine who's responsible for the accident, typically within 14 days after you file your claim. Then, we'll let you know what we need and what your next steps are.
Step 3 Estimate
Get your car inspected, so we can estimate how much the repairs will cost. It can take up to 7 business days for us to receive and review the inspector's report. Then once we write the estimate, we'll let you know when work can begin.
Step 4 Pay
If you have a deductible, you'll pay it to the shop once repairs are done. Then the shop will collect the rest of the payment from either you or USAA, depending on the payment preferences you set up.
Step 5 Repair
If more damage is found during your repairs, take your USAA-approved estimate to the shop and we'll work directly with them to make sure everything gets done and paid.
USAA Is Here to Help Elapsed Time 1 minutes 26 seconds
We'll also work to recover any money paid out for your claim — including your deductible — if our investigation finds you're not responsible for the accident.
Remember, you can track your claim at any time using the USAA Claims Center on usaa.com or the USAA Mobile App.
While every claim is different and the time for each step can vary, rest assured our team is working to get you back in the driver's seat as quickly as possible.