USAA Auto Insurance claims process

Tell us what happened. Get started on usaa.com or the USAA Mobile App.

You can also reserve a rental car, select a repair shop and let us know how you want to get your payment.

We’ll review what happened and check what your policy covers. You can also add more details in My Claims Center.

Before the shop can start repairs, we’ll need to inspect your vehicle. The inspection will help us estimate the cost of damages and repairs. We'll also determine what your policy covers.

We may need more details like photos, police reports, and contact information for witnesses and other parties who were involved.

We’ll also address any claims against you.

We’ll go over the details and figure out what to pay based on your estimate, coverage, deductible and who’s responsible.

It may include the cost of medical injuries and damage to property like a fence or a utility pole.

We’ll reach out if we need more information.

If covered, we’ll make a payment to you or a third party.

If you have a deductible, you’ll pay it to the shop once they complete the repairs. Then the shop will collect the rest of the payment.

For example, if the damage costs $1,500 and your deductible is $500, you’d pay the shop $500, and we’d pay $1,000 for the repairs.

If the shop finds more damage, we’ll work with them to understand the damage and pay them.