Tell us what happened. Get started on usaa.com or the USAA Mobile App.
Find out what's covered before you file a claim.
Our policies typically cover things like damage to your car from an accident or if you hit another driver and are at fault. If you're not sure about your coverage, you can check your policy.
How the auto claims process works
We'll help you with every step of your claim and provide personalized updates along the way.
Steps to complete How the auto claims process works
Should you file an auto claim?
Consider filing your claim if:
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Someone was injured.
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You caused damage to someone's vehicle or property
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You caused damage to public property.
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Someone else is responsible for the accident.
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The cost of repairs is more than your deductible.
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Your car is leased, financed or owned by someone else.
How does an auto deductible work?
Your deductible is the out-of-pocket amount you'll pay for repairs on a covered claim.
For example, if the damage costs are $1,500 and your deductible is $500, then we would pay $1,000 for the repairs.
You can find your deductible on your auto policy.
Not a member? Report a third-party claim.
If you don't have USAA Auto Insurance but were in an accident with one of our members, you can still file a claim with us.
More claims resources
Find out more about how the claims process works, when to get roadside assistance and what to do after an accident.
For more help, check out our claims videos.
How the Claims Process Works
Video Duration: 1 minute 51 seconds
Introduction: Elapsed time 0 seconds [00:00]
Description of visual information: [How the claims process works] End of description
When you file a claim, you want to get things back to normal as quickly as possible. That's important to us too and so is helping you have peace of mind by knowing what's happening throughout the process. For most claims, our process involves these five phases.
Report your claim: Elapsed time 20 seconds [00:20]
One, report your claim. Let us know about injuries or damage to your property or vehicle as soon as possible. You can report your claim anytime in our claims center on usaa.com or the USAA Mobile App.
Confirm your coverage: Elapsed time 35 seconds [00:35]
Two, we'll confirm your coverage. We'll get started by reviewing what happened and confirming what your policy covers.
Gather more information: Elapsed time 44 seconds [00:44]
Three, we'll gather more information. This can include photos, police or fire reports, and information from other parties who were involved.
Evaluate the claim: Elapsed time 55 seconds [00:55]
Four, we'll evaluate the claim. We'll review the information we gathered and determine the amount to pay based on your coverage. Your deductible may apply to the total amount that's covered.
Settle the claim: Elapsed time 1 minute 8 seconds [01:08]
Five, we'll settle the claim. If covered, we'll make a payment to you or a third party, depending on your claim type. If more repairs or payments are needed, we'll work with your shop or contractor to assess the additional damage and get them paid.
Conclusion: Elapsed time 1 minute 24 seconds [01:24]
Remember, the best place to report, track and manage your claim 24/7 is in our claims center on usaa.com or the USAA Mobile App. We'll reach out if we need more details as we go through the process. Every claim is different, and the length of the process can vary. Rest assured our team is here for you every step of the way to resolve things as soon as we can.
Description of visual information: [All coverages are subject to the terms and conditions of the policy.] End of description
End: Elapsed time 1 minute 51 seconds [01:51]
Auto claims FAQ
If you're still at the scene, contact us. We can get your vehicle moved as quickly as possible.
If you need reimbursement for your tow, we’ll consider reasonable fees and charges if you have physical damage coverage for your car.
Yes. You can track your claim 24/7 on usaa.com or with the USAA Mobile App. You can upload photos and documents, schedule repairs, view estimates and more.
It depends on how many vehicles were involved and if people were hurt. Simple claims could take a few business days, and more complex ones might take weeks.
To help us resolve your claim more quickly:
- File a claim on the USAA Mobile App. If you don't have all the details, you can add more later.
- Use the photo estimation tool and you could get an estimate in as little as 4 hours.
- Schedule your repair as soon as possible. The quicker your repair is completed, the quicker the claim will pay out and close. Learn more about the most convenient way to have your car repaired through our preferred network of repair shops.
- Choose electronic funds transfer, or EFT, as a method of payment. We'll be able to deposit any amounts owed to you directly into your bank account.
Still need help?
If you can't find the information you need, you can give us a call at 800-531-USAA (8722).
Ready to report your auto claim?
