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Help with filing a Virginia USAA car accident claim

Strong representation from former U.S. Marines

Dealing with an insurance company is rarely simple, but with huge companies like United Services Automobile Association (USAA), it can feel like a nightmare. Auto insurance is meant to help you get your medical bills, lost wages, property damage, and other costs paid for after a wreck.

USAA often highlights its discounts for people who have served in the military, but after an accident happens, it may seem more interested in serving its profit margins.

We understand that you just want action, not endless phone calls and arguments with an insurance adjuster. At GibsonSingleton Virginia Injury Attorneys, both partners, John Singleton and Ken Gibson, served as U.S. Marines.

Today, we believe in serving our neighbors here in Virginia by working to prevent injuries from happening through sharing safety information. But when a serious accident occurs, we consider it a calling to help those who are hurt.

If you were injured by a driver covered by USAA, or if you need to file an uninsured or underinsured accident claim with USAA as your own insurance company, let our team at GibsonSingleton Virginia Injury Attorneys give you a helping hand. Both of our lead attorneys have firsthand experience as accident victims, and we know how to deal with big insurance companies. We can stand up for you after an accident and fight to get you full compensation in a claim.

To sit down in a free consultation and talk about how the crash happened and how it has affected your life, call us at (804) 413-6777 or toll-free at (855) 781-6777.

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Should I trust USAA to give me a fair deal?

While you may not think of USAA as a major insurance company like Progressive or Geico, it is actually the fifth-largest auto insurance company in the United States and the third-largest insurance company in Virginia, providing coverage for over 13% of Commonwealth drivers. Like its rivals, State Farm and Progressive, USAA is also a Fortune 500 company, which earned more than $5.5 billion in profits in 2020 alone. With that kind of cash in its pocket, you would assume USAA would be generous when it comes to processing a car accident claim.

However, insurance companies can make even more money by finding reasons to increase premiums for policyholders and lower payouts on claims. USAA is no different, often using computer programs to determine the value of a claim. While this may sound efficient, this software has one goal: save USAA as much money as possible. Their computer algorithms will look at the cost of paying the full claim, how much it could cost if USAA is taken to court, and how much is acceptable to maintain its profit margins. The final number will be far lower than you actually deserve.

You might be surprised to find that these corporations do not care about how high your medical bills are or if you had to take time off work. To get the full costs of your accident covered, you have to have the expertise of a skilled Virginia injury lawyer.

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What can I expect from a USAA claim?

If you were injured by a driver who has USAA, you can expect a call from an insurance adjuster. While the adjuster may sound like he wants to help you, his job is to pay you as little as possible to make you go away.

Two tactics insurance adjusters often use to reduce the value of a claim are:

Offering low settlements.

USAA, like other big insurance companies, saves money by paying out as little as possible after an accident caused by one of its insured drivers. When you first talk to a representative from USAA, he may seem ready to settle your claim with a quick offer. This fast cash may seem like a blessing, especially if you just want to get your emergency room bill paid. But these settlements never include the full costs of your injuries, which can include long-term treatment, physical therapy, surgeries, lost wages, and other expenses. If you accept a low settlement now, you will lose out on the right to get more money for your injuries later.

Collecting evidence to deny claims.

If a USAA insurance adjuster cannot get you to accept a low settlement, then she will try to build a case against you. Any statements or evidence she collects can be used during negotiations to discourage you and make you think you can’t get more than he’s offering. If your case ends up going to trial, a USAA lawyer will certainly try to turn the court against you with this “evidence.”

The insurance adjuster will try to collect evidence against you by:

  • Asking you to make a recorded statement
  • Questioning how the accident occurred
  • Getting you to talk about your injuries
  • Requesting your medical records
  • Requiring you to see an independent doctor
  • Snooping on your social media accounts

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Who can help with a USAA accident claim?

After a serious car accident in Virginia, you may think your only option is to accept a low settlement offer. While insurance companies like USAA should provide full compensation to accident victims, understand that they are often driven by financial statements, rather than compassion.

GibsonSingleton Virginia Injury Attorneys knows that you are in a bind and just want to get your bills paid. We believe in standing up for our neighbors when they are hurt and fighting to get them the most from their accident claims.

As former members of the U.S. Marine Corps, Ken Gibson and John Singleton have served their country, and now they’re ready to serve you. They know how to prepare a plan and execute on it successfully for you.

If you bring your USAA accident claim to us, we can work to get you full compensation for your injuries. We know how big insurance companies think, and we will use all of our expertise to hold USAA to its policies.

Do not let a big insurance company get the best of you. Call us today at (804) 413-6777 or toll-free at (855) 781-6777 to get a free case evaluation. We work on a contingency basis, meaning we only get paid when you do.

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Additional Information

Call our Eastern Virginia office today for a free consultation
at (804) 413-6777 or toll free (855) 781-6777.

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Community Service

Prevention, empathy, and diligence are hallmarks of everything we do at GibsonSingleton Virginia Injury Attorneys. Our community can see these ideals lived out in our work to prevent personal injuries from happening.

  • Safety Education
    GibsonSingleton launches “Texts=Wrecks” campaign to reduce the number of people injured or killed by distracted drivers.
  • Annual Coat Drive
    During the fall, our team works to distribute coats to people in need in our community.
  • Hands-on Service
    John and Ken join the Gloucester Point Rotary Club in cleaning up the community.
  • Supporting Local Schools
    The Gibson family participates in Gloucester’s Botetourt Elementary Shuffle fundraiser.