Tell us what happened. Get started on usaa.com or the USAA Mobile App.
We're here for you when disaster strikes.
No matter where you live, a natural disaster can affect you. Find out what to do if you face one.
How auto and property claims work
We'll help you with every step of your claim and provide personalized updates along the way.
Steps to complete How auto and property claims work
Report a claim
Starting a claim is fast and easy. We'll need a few details about what happened, including the date and location.
What kind of claim do you need to start?
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]
Managing your claim is easy.
Keep track of your claim in My Claims Center. You can access it anytime on usaa.com and in our mobile app.
- Check your claim status.
- Contact your adjuster.
- Upload and review documents.
- View estimates and repair status.
Help us fight insurance fraud.
Get information about different types of insurance fraud and how to report suspicious activity.
Claims FAQ
You need a few details to get started. The more information you give us, the easier and faster it can be for your adjuster to settle your claim.
Start with these details.
- Date and location of the accident
- How many vehicles were involved in the accident
- Basic details about what happened and the damage to your vehicle
You can add these later.
- Names of drivers, passengers and witnesses
- Insurance information for any other drivers
- Makes and models of all vehicles involved
We can help you report the loss of a loved one and settle the details of their USAA life insurance policy and annuities.
Our dedicated Survivor Relations team is here for you during this difficult time. They can go over your options and help you make the best decisions for you and your family. Learn more about Survivor Relations.
We're upgrading our claims messaging to Rich Communication Services, or RCS. This one-way text messaging service is a safer way to communicate.
With RCS, you'll get a trusted USAA Claims experience directly in your regular messaging app. This means you'll get more recent information without logging on to our app or calling us.
You'll receive important claims updates from us in a more reliable and secure way.
To turn RCS on or off, follow these steps:
iPhone iOS 18 and above
- Open your device's Settings.
- Tap on "Apps."
- Select "Messages."
- Tap "RCS Messaging" and turn on RCS.
Android with Google Messages
RCS is typically turned on by default if you're using the latest version of Google Messages. If you need to check or adjust your settings:
- Open the Google Messages app.
- Tap your profile picture or icon.
- Select "Messages settings."
- Tap "RCS chats" and turn on RCS chats.
Still need help?
If you can’t find the information you need, give us a call at 800-531-USAA (8722).
Ready to report your claim?
Report a claim
Starting a claim is fast and easy. We'll need a few details about what happened, including the date and location.
What kind of claim do you need to start?
