What to Expect in an Injury Settlement with USAA Insurance in Texas
CALL (512) 246 2224 TO SPEAK WITH A Texas PERSONAL INJURY ATTORNEY FOR FREE
The United Services Automobile Association, otherwise known as USAA, proudly provides insurance to military members and their families. Within the insurance community, USAA is regarded as one of the more fair insurance companies. They provide reasonably average settlements. In fact, they have a larger bodily injury liability auto insurance policy than many of the other commonly used insurance brands.
However, even a fair insurance company is still an insurance company. Insurance companies are in the business of minimizing payouts to you in order to maximize profits for them. Take steps to safeguard yourself today by contacting an experienced attorney.
Negotiating an Injury Claim with USAA
It is important to understand that insurance companies will try to do whatever they can to pay you as little as possible. It is their goal to minimize your claim. However, there are a few tactics you can use when trying to seek the compensation you may be entitled to for your injury claim.
Document as much as Possible
USAA, like any insurance company, may try to minimize the effect your physical and emotional injuries have on the value of your settlement. The best way to protect yourself from this is to have ample and adequate documentation. Hold onto documentation from the accident scene, your medical bills, your future medical treatment, and anything else that could possibly be relevant to your claim. Without documents, the only proof of your injuries is your word. For USAA, that will not be enough.
Determine a Minimum Settlement Amount
Once negotiations are underway, it can be hard to stick to your guns and even harder to keep track of the amount of compensation you went into the process knowing you wanted. Thus, we recommend determining a minimum settlement amount before you start talking with USAA. Having a minimum settlement amount in mind ensures that you know what you want your claim to be worth and you will not accept less. The method to determining your overall damages is not uniform across the board, however, most attorneys will take your medical expenses and multiply them by some number between 1-5 depending on the severity of your emotional and physical injuries. With this number in mind, it is up to you to decide what you are willing to settle for in order to avoid a lengthier, more costly negotiation process.
Keep Your Story Straight
As mentioned, USAA wants to minimize payouts. Therefore, they will use any opportunity to find holes in your story. If you are being untruthful or are unclear about your claim, they have a reason to deny you the compensation you are seeking. Have a story and stick to it. This doesn’t mean make something up. It means to get clarification on the facts and your damages so that you can consistently present that information accurately to an insurance adjuster.
Get Help from Experienced Nationwide Personal Injury lawyers
While it is true that people have observed USAA to be more reasonable than other insurance companies, the claims USAA pays out do vary. This all depends on the circumstances of your injury, your claim, and your representation.
The negotiation process is anything but simple. Insurance companies have teams of experienced attorneys working for them to maintain as small settlements as they can. Negotiating with an insurer like USAA can take months, sometimes even years. You don’t have to handle this situation alone. Having an experienced attorney on your side fighting for you makes things much easier for you. Your attorney may negotiate on your behalf and seek maximum compensation. If USAA is unwilling to make a fair settlement, your attorney may guide you through the process of going to court to seek the compensation you may be entitled to.
At Zinda Law Group, our injury lawyers have helped numerous accident victims recover after suffering an injury. We have the experience necessary to help you build the strongest claim possible and seek maximum compensation for medical bills, property damage, lost income, pain and suffering, and more. Further, we believe quality representation should never be out of reach for anyone. That is why we work on a contingency fee basis. If we don’t get you the compensation you seek, you owe us nothing.